Sometimes, your clients might need to leave the country, but they won't need to leave their LTC policies behind. The below long-term care insurance products still offer some benefits outside the U.S., albeit with restrictions. See policy for additional restrictions and limitations to international benefits.
MUTUAL OF OMAHA CUSTOM CARE
Full monthly benefit for up to 12 months: "Pays up to 100% of MMB [maximum monthly benefit] up to an International Benefit Lifetime Maximum of 12 months."
No homecare. Residential and Nursing Facility benefits only: "No benefits are payable for Covered Services, other than Nursing Facility Care Services or Residential Care Facility Services, that are received outside of the United States."
ONEAMERICA ASSET CARE
No homecare. Residential and Nursing Facility benefits only. Subject to 100% of the monthly maximum but capped to 12 months: "Payment Limitations: The amount of the benefit for care received in an International Facility is limited to 100% of the monthly benefit limit for up to 12 months."