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LONG TERM CARE INSURANCE - LONG TERM CARE - BEST LONG TERM CARE INSURANCE COST


LONG TERM CARE INSURANCE-BEST LONG TERM INSURANCE-COMPARE LONG TERM CARE
INSURANCE


ADVOCACY • INFORMATION • EDUCATION • STANDARDS

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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


Click Here To Read
CLICK HERE TO ACCESS
Click Here For
Questions - Assistance

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Click Here To Read

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

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2021 LONG TERM CARE FACTS
COSTS - BUYERS - CLAIMS DATA
Click For 2021 Statistics - Data
Click Here For Linked-Benefit Info
Click Here To Read 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
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

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LONG-TERM CARE ALERTS


CALIFORNIA RANKS AS TOP STATE FOR MEDIGAP INSURANCE COVERAGE

Top states for Medigap enrollment reported by the American Association for
Medicare Supplement Insurance

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LONG-TERM CARE INSURANCE EXPERT SHARES ANNUITY PLANNING STRATEGY

A Long-Term Care Insurance Expert Shares Annuity Planning Strategy for seniors
with non-qualified annuities.

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2024 MDRT DISCOUNTED MEMBERSHIP OFFER ANNOUNCED

2024 MDRT Discounted Membership offer from American Association for Long-Term
Care Insurance.

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MEDIGAP PLAN G REMAINS TOP CHOICE AMONG SENIORS TURNING 65

Medigap Plan G Remains Top Choice Among Seniors Turning 65. See results of new
buyer study Medicare Supplement insurance.

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LINKED BENEFIT LONG-TERM CARE INSURANCE PRICES DROP UP TO 27 PERCENT

Costs for linked benefit long-term care insurance coverage are lower than a year
ago according to the 2024 Long-Term Care Insurance Price Index

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See All Archived Alerts »

ONLINE INSTANT CHAT WITH THE LTC ANSWER GUY Jesse Slome Executive Director of
the Association.
Available 8am-4pm Pac. Time. Click Here to start chat.

Q. How do I get the best rates?
Request costs from an Association member or click our Request A Quote box above.

Q. What's the best age to start?
We believe between ages 52 and 64 for and we explain why.

Q. Does insurance pay for home care?
Most policies sold today do. 50% of LTC insurance claims started for home care.

Q. Are costs tax deductible? They may be fully deductible. See 2012 rates in our
Consumer Center.

Q. Are insurer ratings important? Very important because you want a company
there in the future. We list ratings in our Consumer Center.

Read All Questions



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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


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.


2023 LONG-TERM CARE INSURANCE PRICE INDEX RELEASED

March 6th, 2023

2023 Long-Term Care Insurance Price Index Released – insurance premium costs for
55, 60 and 65 year old men, women and couples.

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

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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.


Click to Visit the American Association for Medicare Supplement Insurance
website

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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.




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