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.
Is Pricing Discriminatory or Good Business Practice?
Some of the leading long-term care insurance companies have recently announced that they will soon offer policies that have different rates for men and women. Gender-based pricing for insurance is not new. Most insurance policies have premiums that are based upon...
Genworth: Temporary Suspension of Individual LTC Products in California
Genworth Life Insurance Company announced today that they have suspended sales of all individual LTC products in California. Specifically, California Choice and Choice Partnership will no longer be available after March 21, 2013 pending the necessary state approvals...
Protecting Your Income, Assets Is Of Paramount Concern
Long-Term Care Facts Column: article originally published by the Redlands Daily Facts February 21, 2013: My last column explained the government’s role in providing long-term care. As a general guideline, if your household income is less than $50,000 per year and your...
People’s Needs Go Beyond Medicare and Medicaid
Long-Term Care Facts Column: article originally published by the Redlands Daily Facts February 7, 2013: Last week I discussed the need for long-term care planning and the role that long-term care insurance can play. Surprisingly, many people still believe that...
Welcome to LTCFacts!
We help you make informed decisions about long-term care. 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...
Federal Audit Reveals Long-Term Care Insurance Claims Practices (updated Jan. 2015)
Each day visitors to this website request information about long-term care insurance. Some of our visitors already own long-term care insurance and they have a question about their current policy. Other visitors inquire about how to purchase a policy for...
Plan Ahead For Long-Term Care
What is long-term care insurance and why do you need it? A simple Google Internet search yields a definition for insurance as, "a practice by which a company provides a guarantee of compensation for a specific loss." Therefore, long-term care insurance is a practice...
10 Ways To Reduce Taxes With Long-Term Care Insurance
There are 10 tax-friendly ways to pay long-term care insurance premiums. Depending on your situation, you could save hundreds (possibly thousands) of dollars in income taxes over several years by applying just one of these methods. Caveat: LTCFacts.org is not a tax...
Declined for long-term care insurance? There is hope!
I was reading an online “newspaper” the other day. There was an article about long-term care insurance and the importance of planning for the financial consequences of needing long term care. Sometimes the comments at the end of the article more interesting than the...
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.