Tailored for CAP Members For A Limited Time Until August 31
As a physician, you’ve dedicated your life to caring for others. But have you planned for your own care? Nearly 70% of people turning 65 today will need long-term care at some point in their lives.¹
The emotional and financial toll of caregiving is something you’ve likely witnessed firsthand—and it’s a burden that often falls on loved ones when no plan is in place.
That’s why CAP, in partnership with Symphony Health, is offering an unique Group Long-Term Care (LTC) Insurance Program—designed specifically for physicians like you. This plan combines long-term care and life insurance into one powerful policy, with guaranteed coverage and no health exams required.*
Why It Matters
- Rising Costs: Private nursing home care can cost nearly $10,000/month today—and over $30,000/month in 25 years.²
- Limited Coverage: Medicare and private health insurance typically don’t cover long-term care.³
- Self-Funding Isn’t Sustainable: Americans spend over $60 billion annually out-of-pocket for extended care.
Protect Yourself and Your Family With a Long-Term Care Insurance Policy
- Guaranteed Coverage: Up to $200,000 in long-term care benefits and $100,000 in life insurance—no health exams or questions.
- Customizable Options: Increase coverage up to $450,000 LTC and $225,000 life insurance with just
a few simple health questions. - Spousal Coverage: Available at 50% of the physician’s benefit.
- Portability: Take your policy with you, even if you leave CAP.
- Affordable Group Rates: Better value than individual policies.
- Peace of Mind: For you and your family.
This policy helps protect your savings, ensures access to quality care, and relieves your loved ones from the burden of caregiving. With potential tax incentives and a streamlined enrollment process, there’s never been a better time to plan ahead.
Hurry! Enrollment ends August 31! Contact Symphony Health to learn more!
Call: 213-576-8530
Email: HealthCareServices@SymphonyRisk.com
Visit: www.CAPphysicians.com/LTC
*Guaranteed for Long-Term Care insurance on benefit amount of $200,000. Health questions asked for higher coverage amounts.
¹National Council on Aging: When Should You Start Investing in Long-Term Care Insurance? https://www.ncoa.org/article/when-should-you-start-investing-in-long-te…
²Genworth Cost of Care Survey 2023. https://www.carescout.com/cost-of-care (Cost of care can vary. Check your area for more specific projections.)
³Buddy Insurance: Understanding the Cost of Care in 2024 https://buddyins.com/learning-center/planning/understanding-the-cost-of….