What Is Long Term Care Insurance?

Long term care insurance policies will reimburse you for costs related to caregiving expenses when you are determined to be chronically ill. Your private health insurance and Medicare will not typically pay for...

In 2019, California created a Long Term Care Insurance Task Force to explore how to fund a state-wide insurance program to help Californians address future long term care costs.

California is not the first state to consider legislative action for...

June 19, 2023

The Nationwide CareMatters Together policy is finally here!  It feels like we have been awaiting the release of this new joint life cash indemnity LTC policy for an eternity. And at first glance, the benefits and the pricing of...

May 16, 2023.  I have been waiting a few months to blog extensively about the current pricing on the Securian SecureCare III policy.  It has been almost 4 months since Securian reduced its pricing by 25% on its SecureCare III cash...

Lincoln Moneyguard is the original hybrid based long term care insurance policy, first introduced into the marketplace in 1987. Followed shortly thereafter in 1989 by the OneAmerica Asset Care policy, Lincoln Moneyguard has been at the forefront...

Welcome Back Securian!

Effective January 23, 2023 Securian will be reducing rates across the board by 25%! on its SecureCare III cash indemnity hybrid long term care policy.

This pricing decision by Securian will immediately make the SecureCare...

June 30, 2022.  Many people assume the Lifetime Unlimited benefit period is no longer available with long term care insurance companies.  Possibly your insurance agent or your financial advisor has told you that all underwriters stopped...

June 21, 2022

Securian has released its new Secure Care III cash indemnity hybrid long term care policy this past quarter. As most of you that have been following my blog for awhile  know, the original Securian SecureCare policy was one of...

While it is nice to imagine living independently for the rest of your life, chances are you will need long-term care at some point in your life.  The U.S. Department of health and Human Services reports that you have a 70% likelihood of...

February 11, 2022  If you believe everything you read on the internet, you may be under the false impression that the traditional long term care insurance market is dead.   Well, nothing could be further from the truth.

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