Long-Term Care

Care For You

Long-term care insurance can pay for services associated with a prolonged physical illness, a degenerative disease like Alzheimer’s or Parkinson’s, or a disability. Currently, Eder Financial provides policies with top-rated insurance companies — Genworth Financial, John Hancock Life Insurance, Life Secure, Mass Mutual, Mutual of Omaha, National Guardian Life, and Transamerica Life Insurance Companies.

Our trusted providers

Hybrid life/long-term care insurance provided by:

Lincoln Financial Group
Nationwide
One American

Life insurance with long-term care rider:

John Hancock
Mutual of Omaha
Nationwide
Protective Life
Transamerica

Who is eligible for long-term care insurance through Eder Financial?

Long-Term Care Insurance is available for all church members, their family and friends, and employees of affiliated agencies, organizations, colleges, and retirement communities.

When should I buy long-term care insurance?

Although most people invest in Long-Term Care Insurance in their 50s or 60s, the premiums you pay are based on your age and your health, so the earlier you purchase a policy, the lower your premiums will likely be. Since Long-Term Care Insurance covers medical issues that can occur at any stage of life — permanent disability, for example — policies can be purchased for individuals as young as 18.

Can I afford long-term care insurance?

Because the amount of coverage, your health and age, and the percentage of income you wish to spend on Long-Term Care Insurance vary, it’s best to speak one-on-one with our insurance representative about how to budget for Long-Term Care Insurance. With many companies offering Long-Term Care Insurance plans, the cost and benefits of your policy can be tailored to fit your financial needs.

Will my current health affect my long-term care insurance cost?

Most long-term care insurance policies do require underwriting — a review of your health history — for potential policyholders. Health problems could raise your premium, but medical history is only one of many factors that determines your Long-Term Care Insurance cost.

What costs can long-term care insurance cover?

Long-Term Care Insurance policies vary, but generally this insurance can cover nursing home care, care in your home by a licensed health care provider, custodial services, hospice care, and services provided by adult day care and assisted-living facilities.

We are here to help

For more detailed answers you may fill out the form below.

Fill Out Form

Bold

Balanced

Trusted

Eder Financial serves individuals, organizations, and congregations affiliated with the Church of the Brethren as well as those of like mind within the broader faith-based and non-profit community.

The Denomination

Annual Conference
Bethany Seminary
On Earth Peace
Church of the Brethren

Headquarters

1505 Dundee Avenue,
Elgin, IL 60120

800-746-1505 (toll-free)
847-695-0200 (local)
847-742-0135 (fax)

As of May 2022, Eder Financial, Inc. became the new name for the former Brethren Benefit Trust, Inc. As part of this rebranding, other names within the organization were changed as well. The former Brethren Foundation Funds, Inc. became Eder Organizational Investing, Inc.; and Brethren Foundation, Inc. became Eder Deferred Gifts, Inc. For a short period, visitors to the Eder Financial website may still find links, forms, and other references with the former names on them.