Smarter Coverage for a More Secure Future
Planning for the unexpected is part of protecting what matters most. At Combs & Company, our Group Long-Term Care Insurance solutions give businesses and organizations a powerful tool to support their employees’ futures while offering a highly valued benefit. With rising healthcare costs and an aging population, group long-term care coverage is no longer a luxury—it's a forward-thinking necessity.
We work closely with HR teams, business owners, and associations to simplify the process of offering Group Long-Term Care Insurance, helping you secure meaningful coverage that can make a difference for your people—both today and in the years to come.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
Why Offer Group Long-Term Care Insurance Through Combs & Company?
Choosing Group Long-Term Care Insurance isn’t just about adding another benefit. It’s about giving your employees or members real peace of mind. For over 20 years, Combs & Company has helped organizations build tailored benefit portfolios that reflect their workforce’s unique needs—without the confusion of “insurance-speak.”
What sets us apart?
We demystify long-term care coverage. We bring clarity to a service that’s often misunderstood, providing customized solutions that are easy to implement, manage, and communicate to your team. Our experienced consultants work directly with you to:
- Evaluate your group’s needs
- Compare carriers and plan structures
- Navigate underwriting options (including guaranteed issue or simplified issue when available)
- Educate your employees about their options
- Provide ongoing support for renewals and claims

With Combs & Company, you don’t just get Group Long-Term Care Insurance—you get a strategic partner committed to simplifying your employee benefits.
What Is Group Long-Term Care Insurance & Who Needs It?
Group Long-Term Care Insurance is a type of coverage employers, alumni associations, and professional organizations can offer to help members pay for extended care services. This includes assistance with daily activities like bathing, dressing, or eating—whether provided in a nursing home, assisted living facility, or at home.
This coverage is especially important because:
- Most health insurance doesn’t cover long-term care.
- Medicaid only kicks in after personal assets are depleted.
- Paying out of pocket can cost thousands per month.
Who benefits most from group long-term care insurance?
- Employees in their 30s to 60s who want to lock in coverage at lower rates
- High-earning professionals who want to protect their assets from future care costs
- Employers who want to enhance retention with unique, high-impact benefits
- Associations and alumni groups offering value-added programs to members

Offering Group Long-Term Care Insurance helps your people plan ahead while strengthening your organization's overall benefits package.
How Group Long-Term Care Insurance Solves Real-World Problems
Most people underestimate the likelihood—or cost—of needing long-term care. When the need arises, it can disrupt entire families, cause financial strain, and impact work performance. That’s where Group Long-Term Care Insurance becomes more than just a policy—it becomes a safeguard.
This benefit:
- Protects savings and retirement income from being spent on care
- Reduces caregiving burdens for loved ones, offering professional support instead
- Provides choice and flexibility in the type of care and where it’s received
- Delivers peace of mind, knowing there’s a plan in place for the future

Combs & Company helps you offer a smart solution to a problem most don’t realize they’ll face—until it’s too late.
Is There Group Long-Term Care Insurance?
Yes—Group Long-Term Care Insurance is an increasingly popular option offered by employers, professional associations, and alumni groups. These plans allow participants to access long-term care coverage—often at discounted group rates and sometimes with simplified underwriting or even guaranteed issue options.
At Combs & Company, we help you evaluate and implement the best group coverage strategy, selecting from leading national carriers and ensuring a smooth rollout to your members or employees. Whether you’re a company looking to enhance your benefits or an organization serving members across the U.S., we’ll help you offer meaningful, accessible long-term care protection.
What Happens After Employees Enroll?
The impact of Group Long-Term Care Insurance extends well beyond the enrollment period. Once covered, your employees gain:
- Lifetime access to coverage (policies are typically portable, so they can take it with them if they leave)
- Confidence in their future care options, no matter how their health evolves
- Education and support, provided by Combs & Company to help them understand and use their benefits

We don’t just disappear after the policy is issued. Our team continues to support you and your people throughout the life of the policy—whether that’s answering questions, reviewing changes, or guiding through claims.
Why Choose Combs & Company for Group Long-Term Care Insurance?
Not all insurance brokers offer deep expertise in Group Long-Term Care Insurance—but we do. With 20+ years of experience, a 98% client satisfaction rate, and a commitment to clarity and customization, Combs & Company brings unmatched value to your insurance strategy.
Here’s why organizations across the U.S. trust us:
- We simplify complexity. Long-term care insurance is confusing—we make it easy.
- We focus on your goals. Whether it’s talent retention, member value, or financial protection, we align the plan with your priorities.
- We educate and empower. Through videos, workshops, and one-on-one support, we help your team understand the “why” behind this benefit.
- We offer ongoing service, not just a one-time policy sale.

We’re not just selling insurance. We’re helping you protect what you’ve built and support the people who help it grow.
FAQs About Group Long-Term Care Insurance
What is group long-term care insurance?
Group Long-Term Care Insurance is a type of insurance policy offered by employers or organizations that helps individuals pay for extended care services when they can no longer perform daily living activities independently. This coverage helps protect against the high costs of nursing homes, assisted living, and in-home care. Group plans often come with reduced premiums and easier underwriting compared to individual plans.
Who qualifies for group long-term care insurance?
Eligibility varies by plan, but typically, full-time employees or members of a sponsoring organization qualify. In many cases, spouses or even extended family members may also be eligible to enroll. Some plans offer guaranteed issue coverage, which means no medical questions are asked during the enrollment window.
What are the advantages of offering group long-term care insurance?
There are several key advantages: discounted group pricing, simplified enrollment, fewer health restrictions, and the ability to offer a high-impact benefit that enhances retention and employee satisfaction. It’s also a unique offering that can set your organization apart in a competitive talent market.
Does group long-term care insurance stay with the employee if they leave the company?
Yes, most group long-term care policies are portable, meaning the individual can take their coverage with them if they retire or leave the employer. They would simply continue paying premiums on their own. This makes the benefit even more valuable and long-lasting.
Can small businesses offer group long-term care insurance?
Absolutely. Group Long-Term Care Insurance is not limited to large corporations. Combs & Company works with small and mid-sized businesses, as well as professional and alumni groups, to customize long-term care solutions that fit their size and structure. Even groups as small as five to ten eligible participants may be able to implement a plan.
Ready to offer your team peace of mind with Group Long-Term Care Insurance?
Let Combs & Company guide you through every step. Reach out today to schedule your free consultation and see how simple and impactful this benefit can be.
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