About LTC Book


Your Long Term Care Planning Center

LTCBook is a site created by the founders of LTC TREE.  We’re committed to providing information about long term care services around the country. We focus on the trends that are shaping long term care, as well as new developments that the average American might be interested in, such as Hybrid Life and Long Term Care Insurance.

Our resources are designed to help the American family to make the best decisions as far as long term care insurance services are concerned.

The Verdict is in.

Data suggests that 70% of Americans over the age of 65 will end up needing long term care at one point or the other in their life. Given that the cost of this kind of care can go up to $100,000 per year (depending on the type of facility), one cannot understate the importance of fore-planing. LTCBook.com not only educates its audience, but also goes ahead and connects shoppers to the best long term care insurance plans available in the industry. We work with annuity specialists, financial advisors, insurance brokers and other professionals in the industry to help you find the best solutions for your long term care planning needs.


Long term care is a sticking issue facing many American families.

Our LTC coverage specialists have the skills, experience, and knowledge it takes to help you plan for a better financial future.

long term care nursing home

A Message For The Future

The cost of long term care is skyrocketing across the United States. In 2020, the average annual cost of a private room in a nursing home was $100,375. A semi-private nursing home room went for $89,297. Worse still, the average duration of long term care is upwards of 2 years. This means that you’d need around $200,000 to receive adequate long term care (if needed). Most American families are simply unequipped or unprepared to deal with these staggering expenses. The good news – however – is that you can protect your savings and peace of mind by planning ahead of time for coverage.


Contact Our Amazing Team

Our time-tested team, which has worked with Americans from all works of life, is ready to help you get long-term care planning right.

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, in the next step we'll customize your quotes and provide cost of care data for .

Please provide your contact e-mail/phone number.

, in this last step we’ll gather a few final details to prepare your quote. The benefits questions are optional, but are helpful if you are familiar with how these work.

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.