Business Details
43 Years
experience
Trusted Long Term Care Insurance Solutions
United Security Assurance has been a trusted provider of life and health insurance products since 1983. Our company specializes in long-term care insurance solutions, offering both tax-qualified and non-tax-qualified plans tailored to meet diverse client needs. With a flexible underwriting approach and a dedicated claims team, we prioritize accessibility and exceptional service for policyholders and agents. Our experienced staff, many with decades of industry expertise, manages operations directly from our Pennsylvania headquarters.We maintain strong partnerships like Coventry CareLink to enhance service delivery while adhering to rigorous financial management practices. Our geographic reach spans 40+ states, providing localized solutions through a network of licensed professionals. Committed to community service, we actively support initiatives that strengthen the regions we serve.
Services
Long Term Care Insurance
Home Health Care Plans
Life Insurance
Tax-Qualified LTC Plans
Partnership-Certified Policies
Details
- Year established: 1983
Highlights and features
- We offer 40+ years of specialized expertise in long-term care insurance.
- Our flexible underwriting approach accommodates complex health scenarios.
- We provide state-certified partnership plans in multiple jurisdictions.
- Our claims team prioritizes timely, empathetic policyholder support.
- We maintain direct oversight of operations from our Pennsylvania headquarters.
Services
Long Term Care Insurance
Our Long Term Care Insurance plans provide comprehensive financial protection for facility or home-based care. Available in tax-qualified and non-tax-qualified options, these policies include inflation protection riders and restoration of benefits features. We specialize in underwriting for both standard and substandard health profiles.
Home Health Care Plans
Home Health Care Plans offer flexible coverage for in-home medical assistance. These policies include spousal discounts and short-term/long-term options while maintaining built-in benefit restoration features. Designed for clients seeking alternatives to facility-based care.
Life Insurance
Our Life Insurance products include whole life and modified whole life plans for preferred and substandard risks. These policies provide death benefit protection without surcharges for smokers, serving as complementary coverage to long-term care plans.
Tax-Qualified LTC Plans
Tax-Qualified Long Term Care Plans offer federally recognized coverage with premium tax benefits. These state-certified policies include partnership program options and comprehensive care coverage for both home and facility settings.
Partnership-Certified Policies
State-certified Partnership Plans combine long-term care coverage with asset protection benefits. These policies meet specific state requirements while providing inflation protection options and flexible underwriting for qualified applicants.
People
William J. Neugroschel
President and CEO
William J. Neugroschel leads United Security Assurance as President and CEO since joining the senior management team in 2007. With extensive industry experience, he drives strategic growth while maintaining the company's commitment to quality insurance solutions.
Martha Stephens
Vice President of Operations
Martha Stephens serves as Vice President of Operations, overseeing daily operations since 1992. Her leadership ensures efficient service delivery and operational excellence across the company's insurance product lines.
Marge Haley
Corporate Secretary
Marge Haley fulfills the role of Corporate Secretary, maintaining corporate governance standards and supporting executive leadership in strategic decision-making processes for the company's long-term success.
Questions
What types of long-term care insurance do you offer?
We provide both tax-qualified and non-tax-qualified long-term care plans with options for home care, facility care, inflation protection, and spousal discounts.
Do you cover pre-existing health conditions?
Our flexible underwriting approach accommodates substandard health profiles, offering specialized plans for individuals with complex medical histories through our impaired risk program.
In which states are your policies available?
We operate in 40+ states including Arizona, Pennsylvania, Texas, and California, with specific product availability varying by jurisdiction due to state regulations.
How does the claims process work?
Our dedicated claims team prioritizes timely decisions, focusing on accurate payments while demonstrating empathy and understanding of policyholders' circumstances through direct Pennsylvania-based management.
What life insurance options complement your LTC plans?
We offer whole life and modified whole life policies that work alongside long-term care coverage, providing comprehensive protection without surcharges for smokers.
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Reviews (1)
Susan Bowers
Apr 02, 2016
Report
My first experience with United Security Assurance (USA) was to make a claim. I found out all forms to be completed must be mailed to me (not email or fax). Also, I must snail mail them back. Meanwhile the short-term facility where my father is wants him moved in 3-5 days. I hope USA pays promptly because my father nor myself have the resources to pay out of pocket. Shame on USA for not working with people by using today's technology!
