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New! Long-Term Care + Life Insurance in One Flexible Policy

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 Long-term care is also essential for those diagnosed with a critical illness or anyone involved in a major accidents regardless of age.

The emotional and financial toll of caregiving is something you may have 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
  • Reliable Care: For those who may no longer have family to count on to provide care for them.
  • 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. Conditional guaranteed issue maximum up to $75K, age 19-70.
  • Portability: Take your policy with you, even if you leave CAP, at the same rates.
  • Affordable Group Rates: Better value than individual LTC 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 a streamlined enrollment process, there’s never been a better time to plan ahead.

Hurry! Enrollment ends August 31, 2025! 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….