US Mayor Article

Long-Term Care Benefits Offered Through The United States Conference of Mayors: A timely solution for municipal employees facing Long-Term Care costs
USCM Products and Services

May 29, 2000

The Conference of Mayors recently held several regional meetings in Boca Raton, Atlanta, and Norfolk with city benefits, personnel and risk managers to discuss long-term care and The United States Conference of Mayors Program. Those who attended acknowledged the need for municipal employees to prepare for possible future medical costs. "Long-term care can be an effective tool in decreasing the risk of potential financial hardships," noted Tracy Clarke, Risk Manager of the City of Chattanooga who attended the Conference’s regional meeting in Atlanta. The program participants also discussed various ways cities can begin to offer long-term care benefits to their employees.

The Conference’s Long-Term Care Program is dedicated to providing the best long-term care coverage at a reasonable price. Designed with cities in mind, it offers both group rates for city employees, retirees and extended family members and comprehensive, flexible coverage for participants’ special needs. Enrollment is voluntary, and there is no minimum participation requirement.

In addition to coverage for traditional nursing home care, the Conference’s Long-Term Care Program benefits include provisions for:

  • Assisted Living Centers

  • Adult Day Care

  • Home Care

Since the passage of the Health Insurance Portability and Accountability Act (HIPA) in August 1996, the American public has become increasingly aware of the need for long-term care protections. Individuals who have reached the age of forty-five, have over $35,000 income, and possess at least $100,000 in assets should consider long-term benefits an important part of their financial planning.

Statistics show that one out of two people age sixty-five and over will need some type of long-term care during their lives. Since the high cost of such treatment is not covered by traditional health plans or by Medicare, the need for long-term care insurance is critical.

Surveys show that the primary sources for paying for long-term care expenses are:

  • Individual and family assets and income;

  • Medicaid - an individual must "spend down" personal assets to meet eligibility requirements for Medicaid. Statistics show the average long-term care nursing home resident reaches this point after eleven months of care.

MedAmerica Insurance Company, which is dedicated exclusively to long-term care, is the insurance carrier for the Conference’s program. The company has received an "excellent" rating from A.M. Best based on its financial strength and solid ability to meet the obligations of policyholders.

Municipal Employees Long-Term Care Administrators (MELTCA) is the program’s insurance administrator. Both companies have demonstrated a strong commitment to the long-term care business.

The Conference’s Long-Term Care Program offers an attractive option cities can offer to retain their municipal employees while enhancing the ability of those individuals to remain financially independent.

For more information about how this valuable program can be made available to your city and your municipal employees, and for dates of upcoming regional meetings in your area, please contact Lilla Hammond at the Conference, 1-888-828-8763. Email:  

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