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Med America Long Term Care Program

We are pleased to announce an educational campaign on the State of Tennessee’s group long-term care insurance plan—LTC-TN. Enrollment in this benefit is open with full medical underwriting for all actively-at-work full-time employees, your spouse, dependent children 18-26, parents, parents-in-law and survivors as well as retirees of Austin Peay State University. New hires have 90 days from date of hire to enroll with no health questions. There is no maximum age to apply, except for dependent children.


LTC-TN is offered to you by MedAmerica Insurance Company, a recognized industry leader providing LTC insurance coverage since 1987. MedAmerica is a fully-owned subsidiary of a $5 billion not-for-profit health care company that has been financing and delivering health care services for more than 70 years.


If you have ever been a caregiver to a loved one or had to make the decision to place a family member in a care setting, you know how stressful that experience can be. Long-term care insurance will pay a claim when a doctor can certify that you are expected to need help at least 90 days with at least two of the basic daily activities such as bathing, dressing, or getting from the bed to a chair. It will also pay if you have a severe cognitive impairment and need constant supervision.  


  These are some of the key points to consider as you evaluate this opportunity:


  • ·         The number one reason people buy group LTC insurance is to avoid being a burden on their children.


  • ·         The need for LTC can arise at any age due to accidents, strokes, brain tumors and other disabling health conditions.   One-third of the people who need the level of care that would qualify for long-term care insurance benefits are under age 65.  Plus, premiums are based on your age so the younger you are when you enroll, the lower the premium.


  • ·         Long-term care services are not covered by our health insurance plan or by Medicare, and are increasingly difficult to qualify for under Medicaid (TennCare).


  • ·         Eight hours of daily home care can cost $4,500 a month, or almost $55,000 a year.


  • ·         Most LTC takes place at home.  Think of the impact on your family if you can’t afford help to care for your spouse and need to quit work to stay home at a time when you need income the most. 


  • ·         LTC insurance may be the only thing that keeps you out of a nursing home.  LTC-TN pays for care at home, in an adult day care center, in an assisted living facility and in a nursing facility.


  • ·         LTC-TN qualifies for the Tennessee Long-Term Care Partnership plan.   This means that every dollar you receive in benefits equals a dollar of assets that will be protected if you ever need to apply for the Medicaid long-term care benefit.  Without this policy, TennCare will pay only after you have spent down most of your assets. 


During the next few weeks, you will receive additional information on how long-term care insurance can help protect your family’s lifestyle and financial security, in addition to information on benefits, sample premiums and how to enroll with payroll deduction. Educational meetings will be held on Thursday, February 28th at 10:00 am and 2:00 pm, Room 305, University Center. Personal telephone consultations and brochures are available at and you can contact Pennye Smith at or 888-400-1118 with any questions.  Please watch your e-mail for more information.


MedAmerica representatives will be on campus on Thursday, February 28 to provide information about the state’s Long Term Care Program.  One session will be held at 10 a. m. and the other at 2 p.m.  Both will be held in UC Room 305.  RSVP for the session that is best for you.