Are Claims Paid?
More than $20 million dollars in benefits is being paid to long-term care policyholders every day. Read the report here.
State Information
Use our interactive map to learn more about long term care insurance in your state.
Concerned About Rate Increases?
Use our interactive map to learn about a specific insurance company’s rate increase history in your state.
Future Long Term Care Insurance Claims Come Before Stockholder Profits
Future Long Term Care Insurance Claims of Policyholders Come Before Stockholder Profits Genworth Financial (the holding company of Genworth Life Ins. Co.) reported an $844 million dollar loss in the 3rd quarter of 2014 and a $760 million dollar loss in the 4th quarter...
Protecting Your Assets with a Government-Approved, Long-Term Care Partnership Policy
In the old days, in order for the government pay for someone’s long-term care expenses, the person would have to spend down their assets to the “poverty level”–about $3,000 in most states. Since 2005, and the passage of the Deficit Reduction Act, most states are...
What are the first steps in finding the right long-term-care insurance?
Conduct a simple Internet search on long-term-care insurance and the results are baffling. Add the words buy or quote, and it gets even more complex. For an insurance product that already has mystery surrounding it, the sheer amount of information yielded by an...
North Carolina Protects LTC Insurance Policyholders from Rate Increases
North Carolina has a regulation to protect long-term care policyholders from the large rate increases which have occurred on many of the earlier LTCi policies. Long-term care insurance premiums used to be calculated according to the amount of claims the insurer...
Don’t Believe All The Negative Headlines
Long-Term Care Facts Column: article originally published by the Redlands Daily Facts August 29, 2013: How sick is the long-term care insurance industry? The headlines are bleak: “What’s killing the long-term care insurance industry?” “Costs of Long-Term Care Rise...
Long-term-care insurance helps protect families
Long-Term Care Facts Column: article originally published by the Redlands Daily Facts August 8, 2013: Long-term-care insurance is an emotional subject. I mean, really, who wants to talk about the possibility of needing help with bathing, dressing and toileting? "It...
Three Big Problems With Long-Term-Care Insurance
There are three issues concerning people who are considering long-term care insurance: The underwriting and approval process can be long and difficult Claims may not be paid in the future when care is needed, and Premiums might skyrocket forcing you to drop the...
Busting Myths About Long-Term Care Insurance
Myth #1 Most long-term care insurance claims are for nursing home care When the long-term care insurance began in the mid-1960’s, most policies only covered the cost of nursing homes. It wasn’t until the early 1990’s that insurers began including riders that covered...
The Truth About Long-Term Care Insurance
Long-Term Care Facts Column: article originally published by the Redlands Daily Facts May 9, 2013: In my last column, I addressed recent articles published on a several well-known news websites have been riddled with half-truths and misleading information. In an...
Long-Term Care Insurance is Easy
This series of 90-second videos covers the three simple options for designing your long-term care insurance policy.
The Truth About Long Term Care Insurance Rate Increases
This video series of 90-second videos (and one 2 minute video) destroys main-stream media’s hype over rate increases. Want to know how you are protected? Watch our videos today.