This site is published for most, but not all, residents of the United States of America. No invitation to inquire or application for insurance will be sought or accepted on behalf of any resident of a state in which Long Term Care Associates, Inc. or its designated licensed principal or given insurer is not licensed.


Long Term Care Associates, Inc. will make reasonable efforts to include accurate content on this website. However, the content on this website (including any graphics) and any materials made available through this website are subject to applicable statutes and regulations, and are provided “AS IS” and without warranties of any kind, either express or implied.

To the fullest extent permissible pursuant to applicable law, Long Term Care Associates, Inc. disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. Long Term Care Associates, Inc. does not warrant or make any representations regarding the use or the results of the use of the content on this website in terms of its correctness, accuracy, reliability, or otherwise. The content on this website could include technical inaccuracies or typographical errors. This content could become inaccurate as a result of developments occurring after publication. Long Term Care Associates, Inc. undertakes no obligation to keep any such information current. Long Term Care Associates, Inc. endeavors to maintain this website and its operation, but is not, and cannot be, responsible for the results of any defects that may exist in this website or its operation.

Long Term Care Associates, Inc. makes no warranty that: (1) the material is of any particular level of quality or is fit for a particular purpose; (2) that our sites, or the servers that make them available are free of computer viruses or other harmful components or conditions (3) the operation of this website will meet the user’s requirements; (4) access to this website will be uninterrupted, timely, secure, free of viruses or other harmful components, or free of errors; (5) the results that may be obtained from the use of this website will be accurate or reliable as of any particular date; or (6) defects will be corrected. You (and not Long Term Care Associates, Inc.) assume the entire cost of all servicing, repair or corrections that may be necessary for your computer equipment and software as a result of any viruses, errors or other problems you may have as a result of visiting this website.


Long Term Care Associates, Inc. will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injury caused by any: (1) use of (or inability to use) this site; (2) use of (or inability to use) any site to which you hyperlink from our site; (3) failure of performance; (4) error; (5) omission; (6) interruption; (7) defect; (8) delay in operation or transmission; (9) computer virus; or (10) line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages, or both.

However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply and you may have the right to recover these types of damages; in any event our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our sites.


It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. As with all financial matters, you should exercise great care in using the information provided on this website or available through links from this website. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.


Unless otherwise noted, the graphic images, buttons, layout, and text contained in this website are the exclusive property of Long Term Care Associates, Inc. and may not be copied or distributed, in whole or in part, without the express written consent of Long Term Care Associates, Inc. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use.


The Content on this website, and these Terms and Conditions, are subject to change or updating by Long Term Care Associates, Inc. at any time without prior notice. The changes may include superceding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continuing use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.


Long Term Care Associates, Inc. operates under the name LTCA Insurance Services in the State of California, license number OE8509. Long Term Care Associates, Inc. is domiciled in the State of Washington with its principal place of business located at 11900 NE 1st St., Suite 115, Bellevue, WA 98005-3030.