Long Term Care Insurance Information Compare Costs - Long Term Insurance Company Ratings

Enter The Producer's Resource Center
Enter The Consumer's Information Center

Long-Term Insurance Links

Long-Term Care Insurance Information

Resources - Best Costs

Compare linked benefit long term care
Click Here To Read
2024 long term care insurance statistics and data
Get long term care insurance claims assistance
Click Here For
Questions - Assistance

Compare long term care insurance rates and benefits
Click Here To Read

Current-Relevant-For Consumers
Click For Current Relevant Info

Click For 2021 Statistics - Data
Ways to save on long term care insurance - reduce the cost of LTC insurance
Click Here For Linked-Benefit Info
Covid-19 and long term care 
insurance planning
Click Here To Read
Ways to save on long term care insurance - reduce the cost of LTC insurance 1035 Exchanges - long term care insurance - 1035 exchange life insurance - 1035 exchange annuities 2018 LONG TERM CARE COSTS

Click For LTC Insurance Policy Costs

And / Or Get Better LTCi Benefits
Click Here - To Read Now
Read 6 Consumer Guides
first published by AALTCI
in Kiplinger's magazine
Click Here - Kiplinger's Guides
& Discover How To
Get The Best Coverage For
The Best (Lowest) Cost
Click Here - Great Comparison Info
5-9 Minute Videos
For Those Just Starting

Shopping For Long Term Care Insurance; WATCH THIS FIRST (5 Minutes) What People Buy And Pay for Long Term Care Insurance The Most Vital Fact For Women Living Alone - A MUST WATCH
Sell Long Term Care Insurance --
CLICK THIS BOX to Apply For Membership Now Cheap E & O Coverage -- CLICK THIS BOX For
E & O Rates for Long Term Care Insurance Agents
Group vs. Individual Long Term Care Insurance Program

Should You Buy Your Employer's Plan

Click Here To Learn What To Compare
Best long-term care insurance quotes.
Request free cost quote for long-term care insurance from #1 online consumer information center.
Click Here Now
Have a current annuity?
Discover how to use an annuity to ALSO get 100% tax free long-term care benefits.
Click Here Now
Have a cash value life insurance policy?
Discover how to use it to ALSO get 100% tax free long-term care benefits.
Click Here Now
Ratings for long term care insurers
Find ratings before you buy.
Click Here Now

Long Term Care Insurance Information from America's Long-Term Care Insurance Experts
Find The Best Cost - Long Term Care Insurance Company Ratings

Chances are you'll live well into your 80s, your 90s and possibly even longer.

When you live a long life, the likelihood you'll need long-term health care is greatly increased. Younger people also need long term care as a result of accidents or illnesses.

Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group / employer insurance. For seniors on Medicare, the long-term care benefits are quite limited.

That is why over 10 million Americans have purchased long-term care insurance. The American Association for Long-Term Care Insurance was established in 1998 to educate individuals and to support insurance and financial professionals who market this protection.

Our Long-Term Care Insurance Consumer Information Center is the nation's most comprehensive resource. Find the most current information including long term care insurance costs, ways to save, tax deductibility rules and long term insurance companies and their ratings.

Request a free, no-obligation cost comparison from an Association member today.
Costs for long term care insurance can vary significantly from one long term insurance company to another. In fact, our yearly Long Term Care Insurance Price Indexes have found that rates for virtually identical coverage could vary by over 110 percent.
It pays to compare - the yearly savings can be substantial.

Latest Association News

New Report Reveals Ages When Claims Begin For Long-Term Care Insurance

May 10th, 2024

The vast majority of long-term care insurance claims begin after age 80 according to a new report released today by the American Association for Long-Term Care Insurance. “If you live a long life the chances are very high that you’ll eventually require care,” explains Jesse Slome, director of the long-term care insurance organization. ”When long-term […]

Paid Long-Term Care Insurance Claims Increased In 2023

January 22nd, 2024

Paid Long-Term Care Insurance Claims 2023 – See Data

Costs long-term care insurance 2024 reported by AALTCI

January 22nd, 2024

Costs long-term care insurance 2024 reported by the American Association for Long-Term Care Insurance

2024 Long-Term Care Insurance Price Index Published

December 27th, 2023

2024 Long-Term Care Insurance Price Index Published by the American Association for Long-Term Care Insurance

2024 Tax Deductible Limits For Long-Term Care Insurance

November 16th, 2023

2024 Tax Deductible Limits for long-term care insurance plus tips to make your insurance tax deductible. Not all policies are tax deductible, read more.

See All Archived Association News »

Shopping For Long-Term Care Insurance?
Watch This Brief Video

Advice On Long-Term Insurance - Information You Need To Know

The three questions we are asked most often are:
How much does long term care insurance cost?
Are there ways to save money?
What is the best age to start planning?

Let's start with the last question first. Long term care insurers will only issue policies to those in relatively good health. Since you'll probably never be healthier than you are today, this is the right time to start thinking about it. Most people start long term care planning between ages 52 and 64.

Each year the Association surveys insurers to determine ages for those purchasing coverage. For individuals purchasing coverage in 2014, some 6.5% did so between ages 35 and 44. Some 25.0% between ages 45 and 54. Some 55.2% between ages 55 and 64. And, 7.8% were age 65 or older. Costs increase based on your age. But the ability to health-qualify is what matters most.

In terms of what long term care insurance costs: what you'll pay depends on your age and health when you apply and how much coverage you want. Costs also vary from one insurer to another - by as much as 40-to-110 percent per year. Each insurer has what we call a "sweet spot" and that's one reason to compare costs before you buy.

Discounts can make your long-term insurance far more affordable than you think. For example, discounts are offered when two spouses apply. Some insurers will offer discounts to partners living together or a partial discount when only one person is covered. Discounts can vary from one insurer to another. There are ways singles or those living alone can also reduce the cost.

Finally a few tips -- though you'll find a wealth of information in our Consumer Information Center. Start comparing costs about 30-to-60 days before your birthday to lock in the lower rate. If you have a health condition or have been prescribed medications, let the insurance agent 'shop your health' before you apply. If you own a small business, read our page on tax deductions for long-term care insurance.

The American Association for Long-Term Care Insurance does not market or sell insurance but our members do.
It always pays to speak with a professional because:
Costs for long-term care insurance can vary among insurers,
Discounts can vary from one insurer to another,
Acceptable health conditions can vary,
Long term care insurance company ratings are important in your decision,
Covered care and policy benefits can vary.

Fill out the Association's free quote request. We'll connect you with a professional who'll provide advice on planning and costs for insurance protection-without any obligation.

Long Term Care Insurance Cost Comparison From An Association Expert - Click Here Now To Get Started

Medicare Insurance Information

Visit our sister organization to learn more about Medicare insurance options. Use the Association's free online directory listing local Medicare agents listed by Zip Code.

Best Medicare insurance costs information
Click to Visit the American Association for Medicare Supplement Insurance website

Disclosure: It is our desire to deliver the most current, fair and balanced information that assists individuals seeking information on long-term care insurance planning. Information is not intended to provide tax advice and due to the size of our website we recognize some older information still exists. The American Association for Long-Term Care Insurance derives income from membership dues from insurance professionals who want access to our research and support material and may also receive remuneration from our affiliated partners through the placement of long-term care insurance.