Long Term Care Services are EXPENSIVE!
MEDICARE DOES NOT PAY FOR LONG TERM CARE.
And someone has to pay for it. How will you pay for care?

State Insurance Guaranty Funds

Protection for Your Long Term Care Insurance Policy

A guarantee fund is a fund administered by a U.S. state to protect policy holders in the event that an insurance company defaults on benefit payments or becomes insolvent. The fund only protects beneficiaries of insurance companies that are licensed to sell insurance products in that state.


State Departments of Insurance

Maximum aggregate benefits for all lines of insurance

Maximum death benefit with respect to any one life

Maximum liability for cash or withdrawal value of life insurance policy

Maximum liability for present value of an annuity contract

State Guaranty Fund Association Phone Numbers


Alabama

$300,000

$300,000

$100,000

$100,000

(205) 879-2202

Alaska

$300,000

$300,000

$100,000

$100,000

(907) 243-2311

Arizona

$300,000

$300,000

$100,000

$100,000

(602) 364-3863

Arkansas

$300,000

$300,000

$300,000

$300,000

(501) 371-2776

California

80% not to exceed $250,000

80% not to exceed $250,000

80% not to exceed $100,000

80% not to exceed $100,000

(323) 782-0182

Colorado

$300,000

$300,000

$100,000

$100,000

(303) 292-5022

Connecticut

$300,000

$300,000

$100,000

$100,000

(860) 529-3495

Delaware

$300,000

$300,000

$100,000

$100,000

(302) 456-3656

D.C.

$300,000

$300,000

$100,000

$300,000

(202) 434-8771

Florida

$300,000

$300,000

$100,000

$100,000

(904) 398-3644

Georgia

$300,000

$300,000

$100,000

$100,000

(770) 621-9835

Hawaii

$300,000

$300,000

$100,000

$100,000

(808) 528-5400

Idaho

$300,000

$300,000

$100,000

$100,000

(208) 378-9510

Illinois

$300,000

$300,000

$100,000

$100,000

(773) 714-8050

Indiana

$300,000

$300,000

$100,000

$100,000

(317) 636-8204

Iowa

$300,000

$300,000

$100,000

$100,000

(515) 283-3163

Kansas

$300,000

$300,000

$100,000

$100,000

(785) 271-1199

Kentucky

$300,000

$300,000

$100,000

$100,000

(502) 895-5915

Louisiana

$300,000

$300,000

$100,000

$100,000

(225) 381-0656

Maine

$300,000

$300,000

$100,000

$100,000

(207) 633-1090

Maryland

$300,000

$300,000

$100,000

$100,000

(410) 998-3907

Massachusetts

$300,000

$300,000

$100,000

$100,000

(413) 744-8483

Michigan

$300,000

$300,000

$100,000

$100,000

(517) 372-3863

Minnesota

$300,000

$300,000

$100,000

$100,000

(651) 407-3149

Mississippi

$300,000

$300,000

$100,000

$100,000

(601) 981-0755

Missouri

$300,000

$300,000

$100,000

$100,000

(573) 634-8455

Montana

$300,000

$300,000

$100,000

$100,000

(262) 965-5761

Nebraska

$300,000

$300,000

$100,000

$100,000

(402) 474-6900

Nevada

$300,000

$300,000

$100,000

$100,000

(775) 329-8387

New Hampshire

$300,000

$300,000

$100,000

$100,000

(603) 226-9114

New Jersey

$500,000

$500,000

$100,000

$100,000

(973) 623-3989

New Mexico

$300,000

$300,000

$100,000

$100,000

(505) 237-9397

New York

$500,000

$500,000

$500,000

$500,000

(212) 909-6813

N.
Carolina

$300,000

$300,000

$300,000

$300,000

(919) 833-6838

N.
Dakota

$300,000

$300,000

$100,000

$100,000

(701) 235-4108

Ohio

$300,000

$300,000

$100,000

$100,000

(614) 442-6601

Oklahoma

$300,000

$300,000

$100,000

$300,000

(405) 272-9221

Oregon

$300,000

$300,000

$100,000

$100,000

(503) 588-1974

Pennsylvania

$300,000

$300,000

$100,000

$100,000

(610) 975-0572

Puerto Rico

$300,000

$300,000

$100,000

$100,000

(787) 765-2095

Rhode Island

$300,000

$300,000

$100,000

$100,000

(401) 273-2921

S.
Carolina

$300,000

$300,000

$300,000

$300,000

(803) 536-9874

S.
Dakota

$300,000

$300,000

$100,000

$100,000

(605) 336-0177

Tennessee

$300,000

$300,000

$100,000

$100,000

(615) 242-8758

Texas

$300,000

$300,000

$100,000

$100,000

(512) 476-5101

Utah

$500,000

$500,000

$200,000

$200,000

(801) 572-1218

Vermont

$300,000

$300,000

$100,000

$100,000

(802) 244-8540

Virginia

$300,000

$300,000

$100,000

$100,000

(804) 282-2240

Washington

$500,000

$500,000

$500,000

$500,000

(425) 562-3128

West Virginia

$300,000

$300,000

$100,000

$100,000

(304) 733-6904

Wisconsin

$300,000

$300,000

$300,000

$300,000

(608) 242-9473

Wyoming

$300,000

$300,000

$100,000

$100,000

(303) 292-5022

NOTE: The information on this page should be verified by your state department of insurance for the most current limits and exclusions.

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