American Association for Justice
Long-Term Care Insurance
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Policy Highlights
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Helps Protect You Against the Rising Cost of Nursing Home and Community Care

Although you may believe that you are too young to start thinking about long-term care and its costs, consider this: premiums are based on age, the younger you are when you purchase this coverage, the lower your premium will be.

While we reserve the right to adjust future premiums for all policyholders by state and class, we have never had to do so since we pioneered long-term care insurance more than 25 years ago. And, your premiums will never increase due to changes in your health status or your age. The Long-Term Care Insurance Plan sponsored by AAJ can help you protect your assets while providing you with the high quality protection you need. Your parents and parents-in-law can also apply for this coverage.

The Plan reimburses benefits during covered nursing home stays and offers several choices of daily benefits and payment maximums. An inflation protection option is also available.

In addition, home and community care coverage is available to complete your long-term care protection. This coverage reimburses for covered care at home and in the community, such as adult day care centers.
Tell Me More
As an AAJ member, you have access to a special benefit—the Long-Term Care Resources Network, a unique long-term care buying service.

This benefit allows you to work with a long-term care insurance representative who will give you all the information about benefits and rates of different highly rated long-term care provides.

With so many different providers, you may have questions about the coverage they provide:
  • Which plan or options offers the least expensive premium? Is one plan more flexible than another to help fit into my budget?
  • What if I have a current health condition—can I still get coverage?
  • What about protection for my spouse? Are there couple discounts available if we both apply?
  • Are there discounts for healthy applicants?
  • Which long-term care insurance offers more of the benefits I want or need?
On simple phone call to the Long-Term Care Resources Network for AAJ members is all it takes to start protecting your assets from long-term health risks and get your questions answered. No obligation necessary!

For more information, a one-on-one consultation with an experienced Long-Term Care Resources Network Representative and how to apply, please call 1-800-358-3795.

Mercer Consumer, a service of Mercer Health & Benefits Administration LLC
In CA d/b/a Mercer Health & Benefits Insurance Services LLC
AR Ins. Lic. #100102691
CA Ins. Lic. #0G39709
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Program Administrator
Title: AAJ Insurance Program Administrator
Address: Mercer Consumer
12421 Meredith Drive
Urbandale, IA
Phone: 1-800-358-3795
Hours: 8am-5pmMon-Thur 8am-3pmFri CST
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