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What is Long-Term Care?
Long-Term Care services include a broad range of medical, social
and/or personal care services required by an individual who has lost
some degree of independence due to a chronic illness or disability. It
assists them with daily activities that most healthy people take for
granted.
Alzheimer's Disease, Parkinson's Disease, severe arthritis and
osteoporosis are examples of chronic health conditions.
Who Needs Long-Term Care?
There is no single way to identify when or if a particular person will
need long-term care. Every case is different due to the type and
degree of illness or injury a person has and what type of care they
need.
Understanding the types of illnesses and injuries that create the need
for long-term care is important. Those who have chronic illnesses
usually have either a physical or cognitive impairment. Other medical
conditions may also create a need for long-term care services.
In many cases, the need for long-term care may arise gradually due to
an illness or a degenerative disease, such as when an individual
progressively needs more assistance to perform activities of daily
living (such as eating, bathing or dressing). Injuries suffered in an
accident, or a serious illness such as a stroke or heart attack, may
also result in a need for long-term care if the person's health does
not return to a level that allows them to perform the activities of
daily living. At this point, they may still require medical, social
and/or personal care services, but their illness may be considered
"stabilized" (or "not getting better"). Major medical insurance and
Medicare typically do not cover these conditions once they are
considered stabilized.
It is estimated that nearly 50% of Americans may need some form of
long-term care services at some time in their life.(1)
What Are the Chances I Will Need Long-Term Care?
There is no method for accurately determining whether you will need
long-term care during your lifetime, but health and lifestyle can
factor into your potential need for it. The following are some of the
factors you may want to consider as you determine the likelihood that
you will someday need long-term care:
Your family's medical history
Existing medical conditions
Lifestyle or health habits that may put you at risk for disease or
disability
Occupational risks
Hobbies or activities that may put you at risk for injury
What is Long-Term Care Insurance?
Long-Term Care insurance provides benefits in the event of a long-term
illness or injury. Owning a long-term care policy also provides you
choices in deciding where or how you receive care. It helps pay for
benefits for care that is delivered in your home, in the community or
in nursing facilities.
When shopping for long-term care insurance, be aware that benefits and
coverage vary among companies.
The Advantages of Owning Long-Term Care Insurance
If you know anyone who has needed long-term care, you have some
knowledge of the emotions and costs involved in making decisions about
an individual's care. Long-term care insurance can:
Help you protect your assets.
Help ensure that you can make decisions about your care.
Give you peace of mind in knowing that you have coverage to protect
yourself.
Federal Long Term Care Insurance Program (FLTCIP)
By Lawrence Shannon-Missal - LTCinsurance.Com
If you're a government employee, you may already be aware that the
U.S. Office of Personnel Management has announced that Metropolitan
Life Insurance Company and John Hancock Life Insurance Company have
been selected as the insurers for the Federal Long Term Care Insurance
Program. This effort will provide an employee paid plan for group Long
Term Care Insurance to an estimated twenty million federal employees.
Metropolitan Life and John Hancock have formed Long Term Care
Partners, LLC, a jointly owned entity devoted exclusively to operating
the Federal Long Term Care Insurance Program (FLTCIP).
With this program approaching fast, now is a better time than ever to
re-examine the advantages and disadvantages of a group LTC policy,
versus an individual plan. This applies not only to federal employees
but also to millions of other Americans who have been or will soon be
offered group LTC plans by their own employers.
The question on most people's minds is simple - which is the superior
option, the group plan I'm being offered or an individual policy I may
be able to find for myself, with the help of an LTC professional. This
decision, however, is far less cut-and-dry than most consumers may
think. What is best for you depends largely not only on what you are
looking for in an LTC plan, but also on your personal circumstances.
A potential weakness of group plans revolves around the issue of
in-home care. Statistically speaking, in-home care is consistently the
preferred option of LTC consumers. Ed Neveleff, CLTC, CSA says, "Most
of my clients, particularly those who are married, view home care as
their preferred option. If they end up needing care, they would like
to receive it at home if at all possible - facility care is seen as a
last resort." However, most group plans (including the federal plan)
do not allow for the full daily benefit amount to be provided for
in-home care - only for nursing home care; only 50-75% of total daily
benefits are allowed if the policyholder is receiving care in their
own home.
Some would argue that 100% of the daily benefit for in-home care is
unnecessary, as these costs are often lower and can be supplemented
with help from family members. However, professional home care costs
can meet or even exceed the cost of institutional care. While this may
seem like a problem only for those without a family, Long Term Care
recipients should think long and hard about the financial and
emotional tolls their care could mean over time. Family members who
assist with care often suffer financial burdens themselves, as well as
emotional and physical stressors. Primary in-family caregivers show a
rate of depression as much as six times the national average. So,
whether you have family who can help with your care or not, having
less than 100% of your coverage available for in-home care is
certainly a factor to at least consider.
Another factor which warrants attention is inflation coverage. Many
individual policies have an automatic, or built-in, inflation benefit.
As Scott A. Olson, CLTC explains, "'Automatic Inflation Benefit' means
that the daily benefit will automatically grow each year. The increase
in daily benefit each year will not cause your premium to increase."
While this can be opted for on an individual program, Olson further
explains that group policies tend only to have "Future Purchase
Options," wherein the recipient can annually choose to increase their
benefits in order to contend with inflation, but only at an
ever-rising cost.
Another common difference between individual and group policies lies
in the underwriting process; group policies (including the federal
plan) often employ short form underwriting, meaning that there are
less specific, less stringent guidelines ruling who can and cannot be
approved for coverage. Individual policies, in contrast, employ a far
more involved underwriting procedure making it harder to qualify but
insuring a lower risk for the underwriter, and thereby offer a lower,
more stable premium for the recipient.
As you can see, there is much to consider regarding an individual LTC
policy over a group one. Perhaps the group policy you are being
offered DOES offer 100% in-home care benefits, or perhaps being at
home is not even an issue for you. Perhaps the plan in question does
indeed account automatically for inflation. One agent described group
LTC plans as being "'cookie cutter' in that they have very limited
options and flexibility. I have seen some plans where I can… offer
better coverage for [the] buck. On the other hand, sometimes it is a
slam dunk way for them to go. It depends on the carrier, plan, etc."
As the new Federal Long Term Care Insurance Program unfolds, many
questions will be raised by millions of people. The important element
for government employees will be to learn as much as they can about
the federal option and options provided by local Long Term Care
Insurance professionals.
The Plan That Adjusts to Rising Costs
Most long term care plans make you choose today a level of coverage
expressed as a daily maximum benefit amount, even though benefits may
not be needed for 5, 10, 15 or even more years from now. The
AnnuitiesInsurance.com Independence Long Term Care Insurance Plan has
taken much of the guesswork out of planning for future long term care
costs by paying up to 80% of the reasonable and customary covered
charges you may incur for long term care services – today, tomorrow
and even many years from now.
In addition, rather than having to choose for how long you may want
benefits to be paid, again, The AnnuitiesInsurance.com Independence
Long Term Care Insurance Plan eliminates much of the guesswork by
providing benefits for care at home, in a licensed assisted living
facility, and a licensed nursing home, as well as at an adult day care
facility, up to a Maximum Life Benefit amount. You choose the lifetime
benefit amount that makes the most sense to you and your budget and
that helps provide the security in knowing that you will receive up to
80% of reasonable and customary covered charges, no matter when they
occur, until your total lifetime benefit maximum has been paid out.
What Could Be More Simple?
The AnnuitiesInsurance.com Independence Long Term Care Insurance Plan
helps keep pace with inflation in two simple ways:
· As the costs of care increase, your benefits also go up.
· You may choose a Maximum Lifetime Benefit amount which automatically
adjusts upwards at 5% per year. (Refer to the Outline of Coverage for
full details.)
In addition, The AnnuitiesInsurance.com Independence Long Term Care
Insurance Plan is guaranteed renewable as long as the premium is paid
when due. Your coverage will not be canceled unless you choose not to
renew your policy. Policy rates may increase to reflect any increase
in benefit costs. Alternatively, you may be offered the opportunity to
purchase additional coverage. In that way, it is your choice to
increase benefits.
You Have Options
Some long term care patients are able to stay at home with daily
assistance, others need the services of an assisted living facility,
and some require nursing home care. If your eligible for benefits,
whatever level of care you need - skilled, intermediate or custodial –
The AnnuitiesInsurance.com Independence Long Term Care Insurance Plan
offers coverage that can help meet your needs.
A Focus On Home Care
Most people needing long term care services prefer to receive that
care at home. The AnnuitiesInsurance.com Independence Long Term Care
Insurance Plan pays up to 80% of the reasonable and customary covered
charges for care in the home from a licensed provider such as a nurse,
physical or occupational therapist, medical social worker, or
inhalation therapist.
Home care can also include service from a licensed, certified, or
otherwise adequately trained home health aide to provide one-on-one
assistance with basic activities of daily living, or to protect a
patient with severe cognitive impairment from threats to health and
safety.
While these services are normally provided through a licensed home
health care agency, it is not necessary to use an agency. You can
directly hire the qualified provider you need.
Sometimes, home care is not appropriate for a patient’s condition. If
that’s the case, the plan pays up to 80% of the reasonable and
customary covered charges for care in a licensed assisted living
facility and in a licensed nursing home.
The Maximum Lifetime Benefit amount is the aggregate of benefits
received from all types of care.
Other Benefits1
The plan pays up to 50% of the reasonable and customary covered
charges for the following ancillary services:
Adult Day Care – If your living in your home, your Plan of Care may
include a licensed Adult Day Care facility to receive social care
Housekeeping Assistance – To remain safely in your home, you may need
help with household tasks that you can no longer take care of
yourself. This is called homemaker companion care.
Your needs and the condition of your health may dictate which of these
options are open to you. However, with the flexibility of The
AnnuitiesInsurance.com Independence Long Term Care Insurance Plan, you
have freedom to choose a type of care that works for you.
1 For policies issued in Oregon: Your Plan of Care may include
services in an Adult Foster Care facility. Please refer to your Oregon
Outline of Coverage for details.
Do You Really Need Long Term Care Coverage?
When you’re healthy, it is difficult to imagine some of the
infirmities of aging that may require some form of long term care.
However, the risk is very real.
That’s why, in the same way you protect your assets with homeowners or
car insurance, it’s wise to protect yourself against the risk that
eventually you may need long term care.
Will The Government Pay If I Need Long Term Care?
Many people believe Medicare and insurance supplementing Medicare
cover long term care such as nursing home care and home health care
costs.
However, Medicare coverage for skilled nursing facility care is
limited. It pays in full for just the first 20 days, it pays only part
of the cost for the next 80 days and requires a prior hospital stay of
at least 3 days. Under Medicare, home health care benefits are also
limited. Even if you have a plan that supplements Medicare, it may not
cover many in-home care needs nor cover nursing home costs after 100
days.
The bottom line? Most people who have accumulated savings can expect
to depend, not on the government, but on their own money to pay for
long term care.
Medicaid may not be a viable option. To qualify for Medicaid, you must
meet stringent asset and/or income tests depending on the state in
which you are a resident, in which case, your choice of type of care
and who provides that care may be limited.
The AnnuitiesInsurance.com Independence Long Term Care Insurance Plan
Provides the kind of long term care coverage you can count on for your
physical and financial well-being and your peace of mind.
Choose Coverage You Can Afford
By planning for your future, you will be better able to handle long
term care expenses, if you encounter them, without depending first and
foremost on the assets you’ve saved over your lifetime. Paying
premiums now could help preserve your savings in the years to come.
The AnnuitiesInsurance.com Independence Long Term Care Insurance Plan
has made this coverage affordable by offering different levels of
coverage. You select the maximum Lifetime Benefit Amount that’s right
and affordable for you with the peace of mind which comes from knowing
that no matter which Maximum Lifetime Benefit amount you apply for,
you will receive up to 80% of the reasonable and customary covered
charges as provided by your policy.
In the last analysis, most of us make buying choices based on what we
can afford to pay. This being the case, The AnnuitiesInsurance.com
Independence Long Term Care Insurance Plan offers you a choice of
affordable Maximum Lifetime Benefit amounts without asking you to
determine how much daily benefit you may need years from now, and for
how long. And there is no need to juggle the inflation option choice
along with the daily benefit maximum and the benefit period to arrive
at meaningful and affordable coverage. With The AnnuitiesInsurance.com
Independence Long Term Care Insurance Plan, you have a policy which
reimburses up to 80% of reasonable and customary covered charges
(until the benefit maximum has been paid) automatically helping adjust
for inflationary increases in daily care costs. (Benefits for adult
day care and homemaker companion care reimburse up to 50% of
reasonable and customary covered charges.)
Premium Discount
As long as you and your spouse both reside in the same household, each
of you can receive a premium discount whether or not you both apply
for, or are issued a policy.
Tax Advantages
The AnnuitiesInsurance.com Independence Long Term Care Insurance Plan
is intended to be a qualified long term care insurance contract under
Federal income tax law. As such, for federal tax purposes, the
benefits may not be taxable and the premiums may be tax deductible as
an itemized medical expense (subject to certain limitations). You
should consult with a qualified tax advisor to see how this may apply
to you.
Activities of Daily Living
With The AnnuitiesInsurance.com Independence Long Term Care Insurance
Plan, one measure of benefit eligibility is the ability to perform
basic daily functions called Activities of Daily Living (ADLs). An
insured person who is unable to perform two out of five Activities of
Daily Living (continence, dressing, eating, toileting and
transferring), or has a severe cognitive impairment such as
Alzheimer’s disease, or other forms of similar dementia may be
eligible to receive benefits. 2
How Do You Qualify To Receive Long Term Care Benefits?
An insured person becomes eligible to receive benefits for qualified
long term care services after having satisfied a once in a lifetime
100 day elimination (deductible) period for either of two reasons:
1. The insured person is unable to perform two out of five Activities
of Daily Living Without standby assistance from another individual and
without any customary supports or mechanical aids.2
2. The insured person suffers from a severe cognitive impairment
resulting from Alzheimer’s Disease or similar dementia.
Either of these conditions must be certified by a licensed health care
practitioner, such as a doctor, registered nurse or a social worker,
as being expected to continue for 90 days or more (inclusive of the
one time elimination period).
2 For policies issued in Arizona, Arkansas, Florida, Louisiana, South
Dakota and Wisconsin: An insured person who is unable to perform three
out of six ADLs (bathing, continence, dressing, eating, toileting and
transferring ), or has severe cognitive impairment such as Alzheimer's
disease, or other forms of similar dementia, may be eligible to
receive benefits.
If You Qualify To receive Benefits, What Happens Next?
Once you have qualified for benefits, expect to incur expenses and a
claim form has been submitted on your behalf, the following series of
steps are implemented:
1. A licensed health care practitioner certifies that you have met the
requirements to be eligible for benefits within the preceding 12 month
period.
2. A licensed health care practitioner develops a Plan of Care that
addresses your needs. Upon approval by your doctor, the plan of care
is submitted to AnnuitiesInsurance.com and once verified, it becomes
the authorization for all services. Benefits will be paid for covered
care that is prescribed by the Plan of Care and received while the
policy is in force.
Additional Plan Features
Alternate Care Benefit – If you qualify to receive benefits, but wish
to substitute an alternative provider of care not covered under the
policy, payments of benefits for such a substitution will be
considered by AnnuitiesInsurance.com. In addition, costs for alternate
health care equipment and home modifications may also be considered by
AnnuitiesInsurance.com.
Continuation for Lapse Benefit – If your policy terminates due to
non-payment of premiums (lapse), a retroactive continuation of
coverage is available for up to 9 months after termination if you are
eligible to receive benefits due to a severe cognitive impairment and
5 months after termination if you are eligible to receive benefits for
any other reason.
Notification of Premium Non-Payment – You can arrange to have another
person notified in the event of a lapse in premium payments. This is
an especially helpful feature in the event the policyholder suffers
from severe cognitive impairment.
Waiver of premium – You will be exempt from paying premiums beginning
after you have been chronically ill as defined in the policy for 90
consecutive calendar days, and while you continue to receive benefits
for any combination of home care, assisted living care and nursing
home care.
Exclusions and Limitations3
Benefits will not be paid for:
1. Services provided by members of your immediate family. This
includes benefit eligibility certified by you or a member of your
immediate family;
2. Services for which no charge is normally made in the absence of
insurance;
3. Services provided outside the United States of America or its
territories or possessions (unless otherwise required by law);
4. Services provided by or in a Veteran’s Administration or Federal
government facility, unless a valid charge is made to you or your
estate (unless otherwise required by law);
5. Services for care resulting, directly or indirectly, from suicide,
attempted suicide or an intentionally self-inflicted injury while sane
or insane;
6. Services for care which results from participation in felony, riot,
or insurrection;
7. Services for care resulting, directly or indirectly, from your
alcoholism or addiction to drugs or narcotics. We will not exclude
coverage for services related to drug addiction which results from the
use of drugs in accordance with the advice of a doctor;
8. Services for which benefits are available under Medicare or other
governmental programs (except Medicaid), or expenses incurred for
services or items to the extent that such expenses are reimbursable
under Medicare or would be so reimbursable but for the application of
a deductible or coinsurance amount;
9. Services for which you receive or are eligible to receive any
benefits from worker’s compensation, employer’s liability or
occupational disease law, or motor vehicle no-fault law;
10. Services for mental disorders (however, disorders such as
Alzheimer’s disease and related dementia, as diagnosed by a doctor,
are not excluded);
11. Services resulting from war or act of war, whether declared or
not, after the effective date of coverage.
3 Not all Exclusions and Limitations apply to policies issued in all
states. Please refer to the Chart of Plan Benefits insert for state
variations.
Pre-Existing Conditions Limitations
Conditions for which medical advice or treatment was recommended or
received during the six months prior to coverage beginning are not
covered unless disclosed on your application, or unless the loss
begins after you have been insured for more than six months.
Right of Reimbursement4
AnnuitiesInsurance.com has the right to collect money due you from
third parties who may be liable to you for any matter that is the
subject of a claim under the policy. This is called reimbursement. An
example might be someone who was liable in causing an accident that
resulted in your going to a nursing home.
4 For policies issued in Georgia only: "Reimbursement" is referred to
as "Right of Recovery".
For policies issued in Arizona, Kansas, Michigan, North Carolina and
Virginia: Reimbursement does not apply.
A Better Plan From AnnuitiesInsurance.com
AnnuitiesInsurance.com is known for stability and quality. A proud
part of the Hartford Financial Services Group, Inc., one of the oldest
and largest providers of insurance and financial services in the
world, AnnuitiesInsurance.com has consistently earned solid ratings
from Standard & Poor’s, Duff & Phelps and A.M. Best.
Who Can Apply For The Plan?
The Long Term Care Insurance Plan is offered exclusively through
designated associations. If you’re a member of such an association,
you, your spouse, your parents and your parents-in-law, from age 40 to
age 79 are eligible to apply for coverage.
Abilene, Adrian, Alanreed,
Alba, Albany, Aledo, Alice, Allen, Alpine, Alvin, Alvord, Amarillo,
Andrews, Angleton, Anson, Anthony, Aransas, Pass, Archer City,
Arlington, Aspermont, Athens, Atlanta, Austin, Avinger, Bacliff,
Ballinger, Balmorhea, Bandera, Barksdale, Bastrop, Bay City, Baycliff,
Baytown, Beaumont, Bedford, Beeville, Bellaire, Bellville, Belton, Big
Bend Natl Pk, Big Lake, Big Sandy, Big Spring, Blanco, Blessing,
Boerne, Bonham, Booker, Borger, Bowie, Brackettville, Brady,
Breckenridge, Brenham, Bridge City, Bridgeport, Broaddus, Bronte,
Brookshire, Brownfield, Brownsboro, Brownsville, Brownwood, Bryan,
Buchanan Dam, Buda, Buffalo, Buffalo Gap, Buna, Burkburnett,
Burkeville, Burleson, Burnet, Caldwell, Cameron, Camp Wood, Campbell,
Canadian, Canton Canyon, Canyon Lake, Carmine, Carrizo Springs,
Carrollton, Carthage, Castroville, Cedar Park Center, Centerville,
Channelview, Childress, Chireno, Cisco, Clarendon, Clarksville,
Claude, Cleburne, Cleveland, Clifton, Clint, Clute, Clyde, Coahoma,
Coldspring, Coleman, College Station, Colorado City, Columbus,
Comanche, Comfort, Commerce, Comstock, Concan, Conroe, Converse,
Copperas Cove, Corpus Christi, Corsicana, Cotulla, Crane, Crockett,
Crosby, Crosbyton, Cross Plains, Crowell, Crystal Beach, Crystal City,
Cuero, Daingerfield, Dalhart, Dallas, Dayton, De Leon, De Soto,
Decatur, Del Rio, Del Valle, Denison, Denton, Denver City, Devine,
Dickens, Dickinson, Dilley, Dimmitt, Donna, Dublin, Dumas, Dyess Afb,
Eagle Lake, Eagle Pass, Eastland, Eddy, Eden, Edinburg, Edna, El
Campo, El Paso, Eldorado, Electra, Elgin, Elkhart, Emory, Ennis,
Euless, Fabens, Fairfield, Falcon Heights, Falfurrias, Flatonia,
Floresville, Floydada, Fort Davis, Fort Hancock, Fort Hood, Fort
Stockton, Fort Worth, Fowlerton, Franklin, Frankston, Fredericksburg,
Freeport, Freer, Friona, Frisco, Fritch, Fulton, Gainesville,
Galveston, Garland, Gatesville, George West, Georgetown, Giddings,
Gilchrist, Gilmer, Gladewater, Glen Rose, Goldthwaite, Goliad,
Gonzales, Goodfellow Afb, Graford, Graham, Granbury, Grand Prairie,
Grand Saline, Granite Shoals, Greenville, Groesbeck, Groom Groves,
Gruver, Gun Barrel City, Hallettsville, Haltom City, Hamilton, Hamlin,
Harlingen, Haskell, Hawkins, Hearne, Hebbronville, Hedley, Hemphill,
Hempstead, Henderson, Henrietta, Hereford, Hico, Hidalgo, Higgins,
High Island, Hillsboro, Hilltop Lakes, Hitchcock, Hondo, Hooks,
Horseshoe Bay, Houston, Hubbard, Hughes Springs, Humble, Hunt,
Huntsville, Hurst, Huston, Hutchins, Ingleside, Ingram, Iraan, Irving,
Jacksboro, Jacksonville, Jarrell, Jasper, Jefferson, Jewett, Johnson
City, Jourdanton, Junction, Karnack, Karnes City, Kaufman, Kemp,
Kenedy, Kermit, Kerrville, Kilgore, Killeen, Kingsbury, Kingsland,
Kingsville, Kirbyville, Knox City, Kopperl, Kountze, Kyle, La Coste,
La Feria, La Grange, La Marque, La Porte, Lackland Afb, Lago Vista,
Laguna Park, Lamesa, Lampasas, Lancaster, Laredo, Laughlin Afb, League
City, Leakey, Leander, Levelland, Lewisville, Liberty, Lindale,
Linden, Littlefield, Livingston, Llano, Lockhart, Lockney, Lone Star,
Long Branch, Longview, Lubbock, Lufkin, Luling, Mabank, Madisonville,
Malakoff, Malone, Manor, Mansfield, Marathon, Marble Falls, Marfa,
Marlin, Marshall, Mart, Martindale, Mason, Matador, Matagorda, Mathis,
Maud, Mc Allen, Mc Kinney, McLean, Medina, Memphis, Menard, Mercedes,
Meridian, Merkel, Mesquite, Mexia, Midfield, Midland, Milam, Milano,
Mineola, Mineral Wells, Mingus, Mission, Monahans, Mont Belvieu,
Montgomery, Mt Pleasant, Mt Vernon, Muenster, Muleshoe, Munday,
Nacogdoches, Naples, Navasota, Nederland, New Boston, New Braunfels,
New Caney, Nocona, Odessa, Olmito, Olney, Olton, Onalaska, Orange, Ore
City, Ozona, Paducah, Paint Rock, Palacios, Palestine, Palmer, Pampa,
Panhandle, Paris, Pasadena, Pearsall, Pecos, Perryton, Pharr, Pickton,
Pilot Point, Pittsburg, Plains, Plainview, Plano, Pleasanton Point,
Port Aransas, Port Arthur, Port Bolivar, Port Isabel, Port Lavaca,
Port Mansfield, Port O Connor, Portland, Post, Pottsboro, Premont,
Presidio, Proctor, Quanah, Quinlan, Quitman, Ranger, Raymondville,
Refugio, Richardson, Richmond, Rio Frio, Rio Grande City, Riviera,
Robert Lee, Robstown, Rockdale, Rockport, Rocksprings, Rockwall, Roma,
Rosenberg, Rotan, Round Rock, Royse City, Rusk, S Padre Island,
Sabinal, Sabine Pass, Saginaw, Salado, Sam Rayburn, San Angelo, San
Antonio, San Augustine, San Benito, San Leon, San Marcos, San Saba,
Sanderson, Sanderson, Sandia, Sanger, Santa Anna, Schulenburg,
Seadrift, Seagoville, Sealy, Seguin, Seminole, Seymour, Shafter,
Shamrock, Sheffield, Shelbyville, Sherman, Sierra Blanca, Silsbee,
Sinton, Slaton, Smithville, Snyder, Somerville, Sonora, Sour Lake,
South Houston, South Padre Island, Spearman, Spring, Spur, Stafford,
Stamford, Stephenville, Stonewall, Stratford, Sugar Land, Sulphur
Springs, Sunrise Beach, Surfside, Sweetwater, Taft, Tahoka, Talco,
Tatum, Taylor, Teague, Temple, Terlingua, Terrell, Texarkana, Texas
City, Texline, The Woodlands, Three Rivers, Throckmorton, Tilden,
Timpson, Tivoli, Tomball, Toyah, Toyahvale, Trinity, Tulia, Turkey,
Tyler, Universal City, Utopia, Uvalde Van, Van Horn, Van Horne,
Vanderpool, Vega, Vernon, Victoria, Vidor, Von Ormy, Waco, Waxahachie,
Weatherford, Webster, Weimar, Wellington, Weslaco, West Columbia, West
Tawakoni, Wharton, Wheeler, White Deer, White Oak, Whitesboro,
Whitney, Wichita Falls, Wildorado, Willis, Wills Point, Wimberley,
Winnie, Winnsboro, Winters, Woodson, Woodville, Yantis, Yoakum,
Yorktown, Zapata, Zavalla |
