LTCFacts.org

LTCFacts.org is committed to educating consumers about long-term care insurance by providing an easy-to-use website filled with simple definitions about long-term care insurance terms and concepts. By providing simple definitions for complex long-term care insurance terms, consumers become empowered to make intelligent buying decisions that impact their financial and family lives.

Rate Increases

Most news articles about rate increases are simply false. Check state-specific rate increase history here.

LTCi Claims Study

The U.S. HHS conducted an extensive long-term care insurance claims study about paid and denied claims.

State Info

Each state has its own recommendations for long-term care insurance. We’ve done the research for you.

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Educational Articles

Reading each of these articles will help give you a clearer understanding of the importance of long-term care insurance.

Informed Decisions About Long-Term Care Insurance

Contributing authors of LTCFacts.org have been involved with the long-term care insurance industry for over 17 years with knowledge of underwriting guides from top insurance companies in over 40 states. This website is not sponsored by any insurance company, nor does it promote any particular insurance company or policy. It is our goal to have sample policies for all of America’s top insurers available for you to research at your leisure in the comfort of your home. Every consumer has different financial needs and health history, which is why educating consumers is especially important. Once consumers understand the intimate relationship between their personal health history and financial situation, then they are ready to begin shopping and comparing long-term care policies offered by the various companies.

Transamerica’s Rate Increase History in New Mexico

New Mexico enacted its long-term care insurance Rate Stability Regulation with an effective date of January 1st, 2004. All long-term care policies issued on or after January 1st, 2004 are protected under New Mexico’s Rate Stability Regulation. Long-term care policies issued before January 1st, 2004 are NOT protected under New Mexico’s Rate Stability Regulation.  

Oct 23, 2014 Admin

Bankers Life & Casualty’s Rate Increase History in North Carolina

North Carolina enacted its long-term care insurance Rate Stability Regulation with an effective date of February 1st, 2003. All long-term care policies issued on or after February 1st, 2003 are protected under North Carolina’s Rate Stability Regulation. Long-term care policies issued before February 1st, 2003 are NOT protected under North Carolina’s Rate Stability Regulation.  

Oct 23, 2014 Admin

Continental Casualty’s (CNA) Rate Increase History in North Carolina

North Carolina enacted its long-term care insurance Rate Stability Regulation with an effective date of February 1st, 2003. All long-term care policies issued on or after February 1st, 2003 are protected under North Carolina’s Rate Stability Regulation. Long-term care policies issued before February 1st, 2003 are NOT protected under North Carolina’s Rate Stability Regulation.  

Oct 23, 2014 Admin

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