Cost of Long Term Care

The premium for Long-Term Care Insurance is based on your age, benefits, and riders you choose to fit your needs and budget. There is a 10% premium reduction if both husband and wife apply and are accepted. The costs below are based on a policy for Home Health Care, Assisted Living, and Nursing Home Services with benefits of $100/Day, 0 elimination, lifetime, and an inflation rider.

AGE	AVERAGE ANNUAL COST	COST OF WAITING
40-49	$1020.00	Does not Apply
50-54	$631.00	188% Increase
55-59	$681.00	8% Increase
60-64	$1,216.00	78% Increase
68	$2,224.00	83% Increase
70	$2,643.00	18% Increase
75	$3,951.00	49% Increase
79	$5,682.00	43% Increase
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