American Association for Long-Term Care Insurance

Advocacy • Information • Education • Standards

Linked Benefit Price Index 2022

The 2022 Linked-Benefit Long-Term Care Insurance Price Index compares rates for men and women purchasing coverage at ages 55 / 65. Rates are from four leading linked benefit insurance companies offering 7702B plans.

The following information may be used with the following citation. "Used with permission from the American Association for Long-Term Care Insurance." A link to our website would be most appreciated.


Male, Age 55

Initial long-term care benefits are $4,000-per month growing at 3% yearly. At age 85, benefits will equal about $9,700-per-month. At age 90, benefits will equal about $11,250-per-month.

Company A B C D
Yearly Cost $6,100
(pay to age 100)
Not available.
10-pay only
($10,500)
$5,235
(pay to age 100)
$5,387
(pay to age 95)
Maximum LTC Benefit $753,627
(at age 85)
Tax Free
$753,627
(at age 85)
Tax Free
$568,801
(at age 85)
Tax Free
$706,974
(at age 85)
Tax Free
Cash Surrender Value $43,682
(after 20 years)
$60,620
(after 20 years)
$52,349
(after 20 years)
$42,595
(after 20 years)
Death Benefit $274,405
(at age 100)
$104,000
(at age 100)
$240,804
(at age 100)
$100,000
(at age 100)

Female, Age 55

Initial long-term care benefits are $4,000-per month growing at 3% yearly. At age 85, benefits will equal about $9,700-per-month. At age 90, benefits will equal about $11,250-per-month.

Company A B C D
Yearly Cost $7,224
(pay to age 100)
Not available.
10-pay only
($12,624)
$7,138
(pay to age 100)
$7,223
(pay to age 95)
Maximum LTC Benefit $753,627
(at age 85)
Tax Free
$753,627
(at age 85)
Tax Free
$568,801
(at age 85)
Tax Free
$706,974
(at age 85)
Tax Free
Cash Surrender Value $40,056
(after 20 years)
$88,368
(after 20 years)
$71,376
(after 20 years)
$39,396
(after 20 years)
Death Benefit $325,085
(at age 100)
$126,240
(at age 100)
$328,329
(at age 100)
$100,000
(at age 100)

Male, Age 65

Initial long-term care benefits are $4,000-per month growing at 3% yearly. At age 85, benefits will equal about $7,225-per-month. At age 90, benefits will equal about $8,375-per-month.

Company A B C D
Yearly Cost $10,986
(pay to age 100)
Not available.
10-pay only
($12,544)
$9,036
(pay to age 100)
$7,930
(pay to age 95)
Maximum LTC Benefit $560,796
(at age 85)
Tax Free
$560,777
(at age 85)
Tax Free
$482,400
(at age 85)
Tax Free
$526,056
(at age 85)
Tax Free
Cash Surrender Value $59,673
(after 20 years)
$87,808
(after 20 years)
$90,355
(after 20 years)
$58,477
(after 20 years)
Death Benefit $384,523
(at age 100)
$125,440
(at age 100)
$325,278
(at age 100)
$100,000
(at age 100)

Female, Age 65

Initial long-term care benefits are $4,000-per month growing at 3% yearly. At age 85, benefits will equal about $7,225-per-month. At age 90, benefits will equal about $8,375-per-month.

Company A B C D
Yearly Cost $13,048
(pay to age 100)
Not available.
10-pay only
($16,141)
$12,368
(pay to age 100)
$10,301
(pay to age 95)
Maximum LTC Benefit $560,796
(at age 85)
Tax Free
$560,777
(at age 85)
Tax Free
$482,400
(at age 85)
Tax Free
$526,056
(at age 85)
Tax Free
Cash Surrender Value $56,351
(after 20 years)
$112,987
(after 20 years)
$123,677
(after 20 years)
$56,243
(after 20 years)
Death Benefit $456,674
(at age 100)
$161,416
(at age 100)
$456,236
(at age 100)
$100,000
(at age 100)

Premiums as of March 2022 and subject to change. Four top-selling linked benefit (7702B) policies. Prices for State of Maryland (prices can vary by state). Policy features, options and premiums can vary. Read your policy contract carefully.

Compare Linked Benefit LTC Before You Buy

There are significant differences between the growing number of linked benefit long-term care policies available today. Because you only buy coverage one time, it really pays to compare before signing on the dotted line. It almost never pays to switch from one policy to another.

Connect with top national linked-benefit agents now. Complete the Compare Benefits form and submit.

Best Linked-Benefit Costs Click Here For Details