National Advisory Center for Long Term Care Insurance

"Serving America's Long Term Care Insurance Needs Since 1998"

Is Long Term Care Insurance Too Expensive?

It certainly can be, especially if you lack specific advice that fits your personal circumstances.

Long Term Care Insurance buyers

The Facts Are Clear


Anyone with even a passing experience with Alzheimer's, stroke, Parkinson's or elder frailty can appreciate the severity and financial devastation of these all-too-common life events and the inevitable care required. This is why long term care insurance (LTCI) protection can be important. At least 70% of people over the age of 65 will need long term care services at some point.1

With life expectancy continuing to rise, the need for long term care insurance is also increasing for Americans. The number of americans age 55 and older will almost double between now and 2030 -- from 60 million today to 107.6 million.2 On a national average, nursing home care costs more than $83,950 a year.3 With costs rising alongside age, it is important for costumers to fully understand all of the facts about long term care insurance in order to best prepare them for the future.

Will you have that kind of money to spare?

Plan your future with the assistance of an experienced LTCI specialist. Request your free no cost, no obligation Long Term Care Insurance Quote now.


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The National Advisory Center for Long Term Care Insurance serves customers, by fostering consumer awareness as well as helping people research and buy insurance for their long term care insurance needs.





1Medicaid & you, National Medicare Handibook, Centers for Medicare and Medicaid Services, Revised Nov 2012.
2Fact Sheet on Aging in America Experience Corps (www.experiencecorps.org/images/pdf/Fact%20Sheet.pdf) accessed 5/21/13
3Genworth 2013 Cost of care survey, conducted by CareScout®. 4/2013 CareScout is a Genworth company.

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  LONG TERM CARE INSURANCE ANSWERS


Simple, concise information about Long Term Care and LTC Insurance basics.

How do Long Term Care Insurance State Partnership Programs, the Federal LTCi Program and private Long Term Care Insurance policies differ?

Are you even eligible for LTC insurance? See basic health issues that make folks uninsurable. Don't wait until it's too late!


Some states currently have filial-support laws on their books. That means that adult family members may be held responsible in certain circumstances for each others' long term care expenses, if they are not covered by another source, such as LTC insurance or Medicaid.