In a previous article, I made the statement:

“You can probably get better benefits for less premium if you purchase your own long-term care policy rather than enrolling in a group long-term care policy.”

There are 2 main reasons:

  1. Individually-purchased long-term care policies offer large discounts for couples.
  2. Individualy-purchased long-term care policies offer large preferred health discounts.

Long-term care policies you can buy on your own usually have “couples discounts”–sometimes as high as 40%.

These discounts are usually available to domestic partners, not just married couples.  These discounts can even be available if one spouse is uninsurable.

People who buy a long-term care policy on their own can often qualify for preferred health discounts as high as 33%, even if they have some health problems.

Most group long-term care policies charge everyone in the group the same rate, regardless of health history.  With most group long-term care policies, someone who is in great health pays the same rates as someone who has severe diabetes, severe arthritis, or a history of a stroke.

With a long-term care policy you buy on your own, you can qualify for the “Preferred Health Discount” even if you have health problems like:

  • high blood pressure
  • anxiety
  • high cholesterol
  • thyroid disorders
  • skin cancer
  • osteopenia
  • mild arthritis
  • asthma
  • enlarged prostate
  • carpal tunnel
  • GERD
  • glaucoma
  • heart murmur
  • herniated disc
  • Irritable Bowel Syndrome (IBS)
  • Crohn’s disease
  • macular degeneration
  • mitral valve prolapse
  • kidney stones
  • benign polyps
  • scoliosis
  • TMJ
  • familial tremors, and
  • ulcers


To learn more read:

The Most Common Mistake:  Group long-term care insurance often costs more and offers less!

Confusing the two types of Inflation Benefit