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

2022 LONG TERM CARE FACTS
COSTS - BUYERS - CLAIMS DATA
Click For 2022 Statistics - 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

LONG TERM CARE NEED
Current-Relevant-For Consumers
Click For Current Relevant Info

2021 LONG TERM CARE FACTS
COSTS - BUYERS - CLAIMS DATA
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
REAL EXAMPLES - REAL PEOPLE
-- SMART WAYS TO SAVE

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
COMPARE LONG TERM CARE
INSURERS
& 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

Long-Term Care Insurance Rate Increase Data Shared By Association

November 8th, 2022

Long term care insurance rate increase data shared

Long-Term Care Insurance 2023 Tax Deductibility Increased

October 18th, 2022

Increased tax-deductible limits for long-term care insurance have been announced for 2023 according to the American Association for Long-Term Care Insurance. “One of the little-known benefits for certain long-term care insurance is the ability to deduct some or all of the cost during retirement years,” states Jesse Slome, director of the American Association for Long-Term […]

Nearly Half Of Oldest Long-Term Care Insurance Applicants Declined

July 15th, 2022

APPLICANTS DECLINED: Nearly half of individuals who apply for traditional long-term care insurance after age 70 have their applications declined by an insurer according to Jesse Slome, director of the American Association for Long-Term Care Insurance. “Consumers simply are not aware of the need to health-qualify for long-term care insurance so they delay looking into […]

Rate Increases Long-Term Care Insurance; How Consumers Act

May 17th, 2022

Rate increases on long-term care insurance. Latest data reports what consumers do when facing a premium increase

2022 Linked Benefit Long-Term Care Insurance Price Index Released

April 4th, 2022

The first linked benefit long-term care price index compares costs and benefits for leading hybrid long-term care policies.

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.