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Thank you for using our long-term care insurance “Policy Finder”.

Based upon the information you submitted, a “Long-Term Care Insurance Partnership” policy may be perfect for you.

As independent insurance agents specializing in all types of long-term care coverage, we represent many insurance companies.

Long-Term Care Partnership policies can protect your savings even if your policy runs out of benefits.

To receive comparisons of the top policies, please provide your name, phone number and the best time to reach you. On average our initial phone call lasts less than 15 minutes.

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Monthly Premiums

How much does a long-term care partnership policy cost? It depends.

The more benefit you want in your policy, the higher the cost. (e.g. $500,000 of long-term care insurance costs more than $80,000 of long-term care insurance.)

Good health discounts and couples discounts can also lower the cost of your policy (see chart).

How much benefit should you buy?

Long-Term Care Partnership policies provide dollar-for-dollar asset protection. Each dollar that your partnership policy pays in benefits entitles you to keep a dollar of your assets if you ever need to apply for Medicaid services.

You can target how much coverage you need based on how much of your savings you want to protect from Medicaid.

If your Long-Term Care Partnership policy runs out of benefits, then you can apply for Medicaid to pay for your care. Your assets can be protected from Medicaid both while you are alive and even after you pass away.

The higher the amount of assets you want to protect the more benefit you should buy. If you have less savings you should buy less benefits for a lower premium.