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The personal information you provide will only be used to calculate your quotes accurately, to check if you qualify for any discounts, and to contact you for additional information, if necessary, and send you your quotes. A licensed professional may contact you about your request if more information is required. Your information remains private and is not sold to third parties. *Not all products and carriers are available in all states.

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Connect with the Top Specialists in the Industry

Partnered with LTC News to Allow Consumers to Work Directly with Top Specialists

Work with a Specialist

Always understand who you are working with. There are differences between a financial adviser, insurance agent, and a Certified Long-Term Care Insurance Specialist.

What is a Trusted Specialist?

  • Has substantial experience in Long-Term Care Insurance
  • A strong understanding of underwriting, policy design, and claims experience
  • Represents all or most of all the leading insurance companies

Compare Quotes from All the Top Companies

Work With a Specialist to Design an Affordable Policy That Is Tailored Around Your Specific Needs

When consumers are considering to add Long-Term Care Insurance to their retirement planning, there are many insurers to choose from. It's recommended to compare quotes from several insurers to get the right affordable coverage you need.

AARP/New York Life
Aetna
Banker’s Life
Genworth Financial
Guarantee Trust Life
John Hancock
Kemper
Knights of Columbus
LifeSecure
Lincoln Financial
Mass Mutual
Medico
Mutual of Omaha
National Guardian Life
Nationwide
Northwestern Mutual
One America
Pacific Life
Securian Financial
Thrivent Financial
Transamerica
United Security Assurance
New York Life
John Hancock

Consider the Following

When Planning for Retirement and Long-Term Care Expenses, Consider These Items

Finances

You should generally have at least $75,000 in savings and investments (including in retirement accounts) outside of your home. If you have less than $75,000 Long-TermCare Insurance would generally be not appropriate unless you qualify for a defined pension. If you have more than $3,000,000 you should consider unlimited total asset protection policies.

Age

The best time to plan is when you are in your 40s or 50s. However, if you are over age 70 your options may be more limited. Those over 80 have very few, if any, options available.

Health

The underwriting criteria differ with every company. You will have to answer some health questions to even obtain an accurate quote. You ideally want to obtain coverage when you enjoy good health. If you are already receiving care in your home or if you live in a care facility you would be ineligible for coverage. Some policies offer coverage for those with some health issues. A Long-Term Care specialist can help you determine your eligibility based on your health history.

Family

If you have children you probably don’t want to place the full responsibility and burden of caregiving on them. Being a caregiver is very difficult and can adversely impact their own families, careers and their own health. If they don’t live nearby this makes it even more difficult. If you don’t have children a Long-Term Care policy can ensure you have access to quality care either at home or in a quality facility. They can become your advocate as well.

Single or Divorced?

You should also find a policy that offers case management. Being alone doesn’t mean you are alone.

Spouses/Partners

Many Long-Term Care Insurance policies offer spousal discounts and shared benefits. This provides additional savings and flexibility that should be discussed with your Long-Term Care Insurance specialist.

Asset Protection/Legacy

Currently, 45 states offer special Partnership Long-Term Care Insurance policies which provide you with additional dollar-for-dollar asset protection. In the event you were to exhaust all the benefits from your policy you would be able to shelter part of your estate based on the total amount of benefits paid by your policy and still qualify for Medicaid without being poor. While the chance of spending through all your benefits s small ... it gives you additional peace-of-mind. See if your state is eligible.

Amount of Benefits

Plans are custom designed. Generally, you have a monthly benefit. This is the total amount available to pay for care every month. You will either have an unlimited benefit or a benefit pool. This is the initial amount of benefits available in your policy. Benefits increase with inflation. You consider the current and estimated future cost of care to help design.

Family History

Your family history has little to do with your risk of needing future long-term care, however, if you have a substantial history of dementia or Alzheimer’s you might have a higher risk of a longer than average long-term care stay. Some insurance companies use a limited amount of family history in their underwriting.

Facts on Long-Term Care

Important Facts About Long-Term Care That You Should Know

Custom Designed

Long-Term Care Insurance is custom designed. You get to decide the total amount of coverage. Even a small policy can reduce the stress and burden on your family.

Affordable

Long-Term Care Insurance is affordable, especially if you are under age 65. However, premiums can vary well over 100% or more between insurance companies. A Long-Term Care specialist will shop all the major companies to match you with your age, health, and family history to find you the best value.

Rate-Stable

Long-Term Care Insurance is rate stable. Most states now have rate stabilization rules which make it very difficult to raise premiums in the future. Some companies offer single pay or limited pay options as well, which eliminates the need to keep paying premiums.

Your Health History

Long-Term Care Insurance is underwritten based on your health history. This includes the medications you are taking and other factors. Every company has different rules. You will have to answer questions to get an accurate quote.

Comprehensive

Long-Term Care Insurance is comprehensive. Most policies will pay for all levels and types of long-term care including care in your own home.

Guaranteed Benefits

Long-Term Care Insurance provides guaranteed benefits and policies cannot be canceled unless you stop paying your premium.

Portable

Long-Term Care Insurance is portable. You can receive benefits anywhere in the US and US territories. Some companies offer international benefits.

Death Benefits

Long-Term Care Insurance can provide death benefits or return of premium options. While not all companies offer these options if this is something important to you be sure to mention that to a Long-Term Care Insurance specialist.

Tax-Free Benefits

Long-Term Care Insurance provides tax-free benefits. You might qualify for tax deductions or credits. If you own a Health Savings Account you can use the tax-free money in your account to pay your premium.

Regulated Triggers

Tax-Qualified Long-Term Care Insurance provides regulated triggers and tax-free benefits. Some “hybrid” or life insurance policies with an accelerated death benefit don't meet this requirement.

Custodial Long-Term Care

Only Long-Term Care Insurance will pay for custodial long-term care. Health insurance, including Medicare and Medicare Supplements, will not pay for most long-term care services. Medicaid will only pay if you have little or no savings and income.

Shop and Compare

Free affordable and accurate quotes from all major companies, prepared by one trusted specialist. Quotes tailored specifically for you from ONE source.

Oops! We Hit a Snag!

Please review and correct and any issues with the information provided above.

Private and Secure

The personal information you provide will only be used to calculate your quotes accurately, to check if you qualify for any discounts, and to contact you for additional information, if necessary, and send you your quotes. A licensed professional may contact you about your request if more information is required. Your information remains private and is not sold to third parties. *Not all products and carriers are available in all states.

Our Privacy Policy