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Long Term Care Insurance

Long term care insurance is a financial planning and asset protection tool. LTC insurance pays benefits for custodial care, as well as skilled care, which becomes necessary when an individual is no longer able to perform basic activities of daily living on their own – activities such as bathing or dressing. Most of us become aware of long term care when it is needed by a parent, grandparent or other close relative. Sometimes, however, the need for long term care can happen earlier in life as the result of an illness or accident.

Long term care insurance will pay benefits for care received in a variety of settings: your own home, an assisted living facility, adult day care, hospice or in a nursing home facility. LifeSecure’s policy is designed to also allow for benefit payments for care received at home by a spouse or other close family member.

The coverage is an individual plan which means you can take the coverage with you if you were to pursue a new career or upon retirement. This benefit is also available to the employee’s spouse, adult children, parents (in-law) and grandparents (in-law).

Contact Information

Two Rivers Insurance Services
Telephone: (800) 942-1953 


Information regarding Long Term Care
Long Term Care Insurance Presentation
Why Should I Consider Long Term Care Insurance?

The University reserves the right to modify or terminate such plans at any time with or without notice. Participation in these plans is provided to eligible employees and does not constitute a guarantee of employment. Participation is subject to the terms and conditions specified in the plan documents.


Fax: 573.651.2108
Academic Hall Room 012
Office of Human Resources
One University Plaza, MS 3150
Cape Girardeau, Missouri 63701