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Daily Coverage

Long-Term Care Insurance policies pay a daily amount towards home care, assisted living, or nursing home. Home care is the most common claim, with 75% of claims starting at home.

Plan Duration

Average claim: 2.9 years. Assuming you don’t have a crystal ball, you don’t know how long you’ll need Long Term Care for. The chance of needing Long Term Care is 1 in 2, but the chance of needing it for over five years is much smaller. Like any insurance, you may buy this and never use it, so finding a balance is key.

Return of Premium

Add this option and you’ll be able to leave your beneficiary the total sum of all of your premiums paid, less any claims you’ve made. If the thought of buying this and never using it bothers you, guarantee a return of funds with Return of Premium.

Home Health Care on Day 1

Coverage for care at home is available with no waiting period. This 10-15% extra option is the most popular add-on rider.

Shared Coverage

Women make longer claims than men, on average. Hedge your risk with your spouse by adding a Shared Care rider to your policy.

Inflation Protection

If you're buying this thinking of using in the future, include inflation protection.

Carriers quoted will depend on your state. Completing this form does not bind you to any insurance policy.

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You want options, and we provide them. We shop the market of major, highly-rated insurers to uncover the best rate possible.

Discount Navigator

There are hidden discounts available to many beyond just health discounts. We can help you find things like Loyalty discounts which can save you 5% on average.

Join Over 10,000 Americans Who’ve Used Our Platform to Find The Best Long Term Care Insurance Plan

For most Americans, choosing the best long term care insurance plan can be a complicated process. You have to think about premium prices, policy provisions, and even the long term dependability of the company that you are working with. Furthermore, factors such as your age, health, and care preferences also count. There’s no one-size-fits-all policy and you’ll need to carefully wade through all the provisions to make sure you are getting a sound and reliable plan.

Because LTCBOOK brings the competition to you, we remove the hassle out of shopping for the best LTC policy. Our platform has been a gamechanger for over 10,000 LTC insurance shoppers across the nation.

The Long Term Care Debate

  • The possibility of needing nursing care – and not being able to pay for it – is one of the worst fear Americans have about aging
  • The prevalence of cognitive impairment among the aging population shot up over the last one decade, while prevalence of physical impairment in the same group remained the same
  • Federal data suggests that the lifetime probability of becoming disabled in at least 2 activities of daily living or of being cognitively impaired is 68% for Americans aged 65 and older
  • Here’s the problem – there’s no comprehensive national policy to take care of the money gobbler that is long term care
  • By 2050, the number of Americans in need of paid long term care services in any facility (at home, residential care, skilled nursing centers, etc.) will likely double from the 13 million users recorded in 2000, to about 27 million people

Paying for Long Term Care - Your Options

When it comes to financing long term care expenses, what are your options?


Private LTC insurance covers only about 7.4 million people. That’s according to the National Association of Insurance Commissioners. Experts recommend buying long term care insurance at age 50 or 60, but it can be a lot cheaper if you purchase when younger (during your 40’s). You can use a service that helps you compare long term care insurance plans to find the best coverage for you.


Many people tend to think that Medicare will foot their long term care expenses, but it only provides a very limited coverage. Medicare will help pay for recovery after a 3-day hospital stay. It covers the entire cost over the first 20 days, after which you are required to pay a coinsurance fee per day. After the first 100 days, Medicare will stop assisting.

Out of Pocket

If you have the resources, you can set aside a section of your savings to take care of long term care expenses. However, given recent data on the cost of care in various facilities, it’s clear that only the most affluent of families can afford to pay for long term care out of pocket.


When all the other options for offsetting long term care expenses have been exhausted, the government’s Medicaid will help pay up. Medicaid continues to pay for long term care needs but only after the person has depleted almost all their financial resources. What’s more, not all health facilities accept Medicaid patients (and only traditional nursing homes are covered).

Life + LTC Rider

An increasingly preferred way of paying for long term care insurance entails adding a rider to a life insurance policy. This actually addresses the concerns of individuals who are worried about buying an LTC insurance policy and never getting to use it. With a life + LTC rider, your policy will be converted into a death benefit (to be passed to your beneficiaries) if you never end up needing LTC.

Annuity Gains

Taxable annuity gains can be turned into tax-free long term care benefits. Long term care annuities basically help you leverage your assets into 3X, 4X, or even 5X of your principal investment amount (which should cater for long term care if you ever need it). For people who plan to use their assets to offset possible long term care costs, this is a great strategy to protect their retirement income stream.


Is Long Term Care Insurance worth the expense?

Costs continue to soar.

Long term care expenses (whether at a nursing home, assisted living facility, etc) continue to go up at an unprecedented rate. The only way out of this quagmire is to make sure that you avoid these expenses. Insurance gives you the surety and peace of mind you need. If you ever require long term care, then you know that you’ll receive quality care – paid for by your insurer.

Better safe than sorry.

 You’re better safe than sorry. Think of LTC insurance like you would auto insurance. You never know what could happen when you get behind the wheel, so auto insurance gives you the peace of mind. Long Term Care insurance gets you covered if you ever need long term care services (which is more likely today than ever before).

Many people already use it.

As long term care expenses continue to shoot up, and Americans continue to get worried about footing these bills, long term care insurance is becoming increasingly popular as a preferred option. American families do not want to lose their entire savings paying for their own (or other family members’) long term care.