<p>Genworth. I also own their bonds, which pay over 8% and mature in 2016.</p>
<p>patsmom, what you described is very similar to the process we went through. We were a little younger than you and your husband and we bought the policies around 3 years ago. I was initially concerned with Genworth’s financial stability, but after much research, I not only bought the LTC insurance but also invested in its bonds.</p>
<p>Ours is genworth too. And whoever said they have met life probably has genworth managing their policy. i think metlife got out of the LTC business in 2010. When we accessed it for my family member, it was handled by genworth.</p>
<p>calla,
Check with your agent as to who is handling the Met Life policies</p>
<p>“After my parents got sc**wed when Dad’s very large employer dropped it’s LTC for current and retired employees, I would shy away from buying through an employer. My dad had been paying LTC for years, but once the employer dropped the program, there was no option to continue” </p>
<p>Hmm… DH’s company does group plan via Genworth. The policies are written directly through Genworth. I’ll need to figure out if risk due to employer factors.</p>
<p>Bought Genworth through my employer, the plan is offered guaranteed issue but if you leave the employer you maintain your own LTC coverage. Not sure I understand what others are referencing?</p>
<p>Just trying to avoid risk like quoted from prior post.</p>
<p>I have individual coverage for my wife and me with Genworth. I was told by an agent not to go the group route, because it could be cancelled or you might lose it if you leave the group. When you buy individual coverage, they can’t terminate your policy, although they could try to increase your premium.</p>
<p>We bought our policy via a connection with a group, but it was issued as an individual policy, not linked to our membership in the group. This is different than the way this group handles other kinds of insurance, like life insurance, but I thought they might have done it this way because people might not keep up professional society memberships post-retirement.</p>