What will long term care insurance cost?
What is long-term care?
Will I need long term care?
videolong term care insurance quotes
What Is Long-Term Health Care
Who pays for long-term care?
What is the cost of long term care?
How much does long-term care insurance cost?
When is the best time to purchase long-term care insurance?
State by state departments on aging
Long-term care shopper's guides
Policy Features / Options
Glossary of Terms
Receive a Quote
Contact Us
Home
just-in-time distribution
Long-term care insurance premiums are based on your age and the condition of your health when you purchase a policy. Assume a person is in good health. Consider that the average nursing home stay is 2½ to 3 years. It should be no surprise that a survey of several top insurance companies shows the average long-term care policy purchased contains these benefits:

(The following premiums are for illustration purposes only. These figures are an average of several of the top companies.)

  • 4-year benefit period (equal to $219,000; $150 per day X 1,460 days).
  • $150 per day benefit (translates to a $4,500 per month benefit; $150 X 30 days).
  • Covers all levels of care, including skilled, intermediate and custodial care and homemaker companion services.
  • Covers all types of care settings; nursing homes; assisted living facilities and home health care.
  • 0-day elimination period
  • 5% Compound Inflation

Following are the benefits listed above,
ages 40 to 69.


AGE ANNUAL PREMIUM
40-49$1297
50-54$1587
55-59$1843
60$2355
61$2453
62$2556
63$2675
64$2787
65$3024
66$3363
67$3507
68$3735
69$3966

Following are the benefits listed above without inflation with an age range of 40 to 80+.

AGE ANNUAL PREMIUM
(no compound inflation)
40-49$666
50-54$833
55-59$972
60$1316
61$1371
62$1425
63$1496
64$1575
65$1860
66$1955
67$2045
68$2200
69$2355
70$2795
71$3075
72$3370
73$3816
74$4263
75$4740
76$5108
77$5683
78$6350
79$7034
80+$7748

Back to Top
Have a Question? Call 1 800 379-0006

© All About Long Term Care