2025 Long-Term Care Insurance Facts - Prices - Data - Statistics - 2025 Reports
The information and data provided below from the American Association for Long-Term Care Insurance is based on data researched or gathered by the organization. Information may be used with proper citation (Data from the American Association for Long-Term Care Insurance, www.aaltci.org) unless as indicated otherwise. Live links to this webpage are appreciated. Thank you.
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Most Popular Searched Topics - 2025 Information
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Links to Prior Years Long-Term Care Insurance Information
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Click Here To Access 2024 Long-Term Care Insurance Price Index & Industry Data
Click Here To Access 2023 Long-Term Care Insurance Price Index & Industry Data
Click Here To Access 2022 Long-Term Care Insurance Price Index & Industry Data
Click Here To Access 2021 Long-Term Care Insurance Price Index & Industry Data
Click Here To Access 2020 Long-Term Care Insurance Price Index & Industry Data
Click Here To Access 2019 Long-Term Care Insurance Price Index & Industry Data
Click Here To Access 2017 / 2018 Long-Term Care Insurance Data & Statistics
2025 LONG-TERM CARE INSURANCE PRICE INDEX REPORTS
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LONG TERM CARE INSURANCE BUYERS - TRADITIONAL LTCi
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2025 LONG TERM CARE NEED DATA - NURSING HOME - HOME CARE
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2025 LONG TERM CARE INSURANCE DATA - STATISTICS - CLAIMANTS & MORE
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LOWEST & HIGHEST POLICY COSTS - 2025 LONG-TERM CARE INSURANCE
Here are actual prices from the TOP 3 SELLING LTC INSURANCE COMPANIES. Basically a comparison of virtually identical coverage
for a couple.
LTC Insurance Company 1: $5,018-per-year
Company 2: $6,247-per-year
Company 3: $6,325-per-year
PICK THE WRONG LTC COMPANY & YOU'LL PAY 26% MORE YEARLY
COUPLE both AGE 65 -- $165,000 initial pool growing at 3% compounded annually.
LTC Insurance Company 1: $7,137-per-year
Company 2: $12,250-per-year
Company 3: $7,850-per-year
PICK THE WRONG LTC COMPANY & YOU'LL PAY $5,000+ MORE YEARLY
The ability to SAVE MONEY on LTC insurance is just one of many reasons we believe working with a long-term care insurance specialist is important.
Call the Association at 818-597-3227 with any questions. Thank you.
Long-Term Care Insurance Policy Costs - 2025 - PURCHASE AGE 55
Based on 2025 American Association for Long-Term Care Insurance annual Price Index survey of leading LTC insurer(s) selected by consumers (Jan 2025). Initial policy benefit equals $165,000. LOWER RATES MAY BE AVAILABLE for applicants in excellent health. NOTE: We no longer compare the 1% Inflation Growth Option.Annual Premium - Purchase Age 55 | ||
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Single Male, Age 55 (Select Health) $165,000 level benefits | $ 950 | |
Single Male, Age 55 (Select Health) benefits grow at 2% yearly | $ 1,750 | |
Single Male, Age 55 (Select Health) benefits grow at 3% yearly | $ 2,200 | |
Single Male, Age 55 (Select Health) benefits grow at 5% yearly | $ 3,710 | |
Single Female, Age 55 (Select Health) $165,000 level benefits | $ 1,500 | |
Single Female, Age 55 (Select Health) benefits grow at 2% yearly | $ 2,855 | |
Single Female, Age 55 (Select Health) benefits grow at 3% yearly | $ 3,750 | |
Single Female, Age 55 (Select Health) benefits grow at 5% yearly | $ 6,400 | |
Couple Both Age 55 (Select Health) $165,000 level benefits | $ 2,080 combined | |
Couple Both Age 55 (Select Health) benefits grow at 2% yearly | $ 3,875 combined | |
Couple Both Age 55 (Select Health) benefits grow at 3% yearly | $ 5,050 combined | |
Couple Both Age 55 (Select Health) benefits grow at 5% yearly | $ 8,575 combined |
Rates above are for an initial pool of benefits equal to $165,000 (for EACH at age 55).
COMPOUND INFLATION BUILDS FUTURE POLICY VALUE:
Value of benefits when policyholder reaches AGE 85 equals $298,900 for EACH insured @ 2% (compounded annual benefit growth) || $400,500 for EACH @ 3% || $679,100 EACH INSURED @ 5%.
Prices for State of IL. Prices can vary by State. Calculated: Jan. 2025 and subject to change by the various insurers.
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Long-Term Care Insurance Policy Costs - 2025 - PURCHASE AGE 60
Based on 2025 American Association for Long-Term Care Insurance annual Price Index survey of leading LTC insurer(s) selected by consumers (Jan 2025). Initial policy benefit equals $165,000. NOTE: We no longer compare the 1% Inflation Growth Option.Annual Premium - Purchase Age 60 | ||
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Single Male, Age 60 (Select Health) $165,000 level benefits | $ 1,200 | |
Single Male, Age 60 (Select Health) benefits grow at 2% yearly | $ 2,100 | |
Single Male, Age 60 (Select Health) benefits grow at 3% yearly | $ 2,610 | |
Single Male, Age 60 (Select Health) benefits grow at 5% yearly | $ 3,800 | |
Single Female, Age 60 (Select Health) $165,000 level benefits | $ 1,900 | |
Single Female, Age 60 (Select Health) benefits grow at 2% yearly | $ 3,425 | |
Single Female, Age 60 (Select Health) benefits grow at 3% yearly | $ 4,550 | |
Single Female, Age 60 (Select Health) benefits grow at 5% yearly | $ 6,700 | |
Couple Both Age 60 (Select Health) $165,000 level benefits | $ 2,600 combined | |
Couple Both Age 60 (Select Health) benefits grow at 2% yearly | $ 4,500 combined | |
Couple Both Age 60 (Select Health) benefits grow at 3% yearly | $ 5,800 combined | |
Couple Both Age 60 (Select Health) benefits grow at 5% yearly | $ 8,700 combined |
COMPOUND INFLATION GROWTH BUILDS FUTURE POLICY VALUE:
Value of benefits when EACH policyholder reaches AGE 85 equals $270,700 for EACH INSURED @2% || $345,500 for EACH @ 3% || and $588,750 for EACH @ 5%.
Prices for State of IL. Prices can vary by State. Calculated: Jan. 2025
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Long-Term Care Insurance Policy Costs - 2025 - PURCHASE AGE 65
Based on 2025 American Association for Long-Term Care Insurance annual Price Index survey of leading LTC insurer(s) selected by consumers (Jan 2025). Initial policy benefit equals $165,000. NOTE: We no longer compare the 1% Inflation Growth Option.Annual Premium - Purchase Age 65 | ||
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Single Male, Age 65 (Select Health) $165,000 level benefits | $ 1,750 | |
Single Male, Age 65 (Select Health) benefits grow at 2% yearly | $ 2,675 | |
Single Male, Age 65 (Select Health) benefits grow at 3% yearly | $ 3,280 | |
Single Male, Age 65 (Select Health) benefits grow at 5% yearly | $ 4,255 | |
Single Female, Age 65 (Select Health) $165,000 level benefits | $ 2,700 | |
Single Female, Age 65 (Select Health) benefits grow at 2% yearly | $ 4,265 | |
Single Female, Age 65 (Select Health) benefits grow at 3% yearly | $ 5,290 | |
Single Female, Age 65 (Select Health) benefits grow at 5% yearly | $ 7,225 | |
Couple Both Age 65 (Select Health) $165,000 level benefits | $ 3,750 combined | |
Couple Both Age 65 (Select Health) benefits grow at 2% yearly | $ 5,810 combined | |
Couple Both Age 65 (Select Health) benefits grow at 3% yearly | $ 7,150 combined | |
Couple Both Age 65 (Select Health) benefits grow at 5% yearly | $ 9,675 combined |
COMPOUND INFLATION GROWTH BUILDS FUTURE POLICY VALUE:
Value of benefits when EACH policyholder reaches AGE 85 equals $245,000 for EACH INSURED @2% || $298,500 for EACH @ 3% || and $437,800 for EACH @ 5%.
Prices for State of IL. Prices can vary by State. Calculated: Jan. 2025
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Compare Traditional Long-Term Care Insurance to Linked Benefit
- NO Inflation Growth -
IMPORTANT: Linked-benefit products today vary significantly and it is virtually impossible to provide an "apples-to-apples" comparison. The examples below are as close as we can come; designed to give consumers a good starting point. It is important to work with a knowledgeable long-term care insurance who can educate you and compare the various options. Prices as of Jan. 2024 and subject to change.
Traditional Long-Term Care Insurance Policy - NO INFLATION GROWTH - YEARLY PREMIUMS | ||
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Single Male, Age 55 - Pool of LTC Benefits = $165,000 | $ 900 | |
Single Female, Age 55 - Pool of LTC Benefits = $165,000 | $ 1,500 |
Linked-Benefit (Life Insurance + LTC) Policy - Company A - YEARLY PREMIUM PAYMENTS | ||
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Single Male, Age 55 - Pool of LTC Benefits = $180,000 / Min. death benefit = $120,000 | $ 3,540 | |
Single Female, Age 55 - Pool of LTC Benefits = $180,000 / Min. death benefit = $120,000 | $ 3,265 |
Linked-Benefit (Life Insurance + LTC) Policy - Company B - ONE SINGLE PREMIUM PAYMENT | ||
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Single Male, Age 55 - Pool of LTC Benefits = $180,000 / Min. death benefit = $120,000 | $ 52,753 | |
Single Female, Age 55 - Pool of LTC Benefits = $180,000 / Min. death benefit = $120,000 | $ 54,022 |
Rates above include NO INFLATION GROWTH OPTION so benefit pool WILL NOT INCREASE. Prices can vary by State and subject to change by the various insurers. Calculated: Jan. 2024
Compare Traditional Long-Term Care Insurance to Linked Benefit
- WITH 3% Annual Inflation Growth -
IMPORTANT: Linked-benefit products today vary significantly and it is virtually impossible to provide an "apples-to-apples" comparison. The examples below are as close as we can come; designed to give consumers a good starting point. It is important to work with a knowledgeable long-term care insurance who can educate you and compare the various options. Prices as of Jan. 2024 and subject to change.
Traditional Long-Term Care Insurance Policy - With 3% Annual Growth - YEARLY PREMIUMS | ||
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Single Male, 55 - LTC Benefits @ Age 90 = $464,300 / no death benefit | $ 2,100 | |
Single Female, 55 - LTC Benefits @ Age 90 = $464,300 / no death benefit | $ 3,600 |
Linked-Benefit (Life Insurance + LTC) Policy - Company A - YEARLY PREMIUM PAYMENTS | ||
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Single Male, 55 - LTC Benefits @ Age 90 = $521,850 / $181,000 growing death benefit | $ 5,025 | |
Single Female, 55 - LTC Benefits @ Age 90 = $521,850 / $215,000 growing death benefit | $ 5,975 |
Linked-Benefit (Life Insurance + LTC) Policy - Company B - 1 SINGLE PREMIUM PAYMENT | ||
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Single Male, 55 - LTC Benefits @ Age 90 = $521,840 / Min. death benefit = $120,0000 | $ 71,700 | |
Single Female, 55 - LTC Benefits @ Age 90 = $521,840 / Min. death benefit = $120,000 | $ 76,740 |
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2024 Short-Term Care Insurance Price Index - With Home Care Only Pricing
Short-term care insurance can be a very viable option for those who are too old for traditional long-term care insurance or have existing health issues.
Policies are not available in all states. And while agents call many policies, 'short-term care insurance, the Association does not agree that all policies are equal. It is important to compare and talk to a knowledgeable specialist.
Click the link to learn get more Short-term care insurance information
Short-Term Care Insurance - NURSING HOME (NH) AND HOME CARE BENEFITS | ||
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MALE, Age 65 - Nursing Home Benefit $200/day x 360 days + Home Care Benefit $1,050/week x 52 weeks | Monthly $125 | |
FEMALE, Age 65 - Nursing Home Benefit $200/day x 360 days + Home Care Benefit $1,050/week x 52 weeks | Monthly $125 | |
MALE, Age 75 - Nursing Home Benefit $200/day x 360 days + Home Care Benefit $1,050/week x 52 weeks ($54,600) | Monthly $277 | |
FEMALE, Age 75 - Nursing Home Benefit $200/day x 360 days + Home Care Benefit $1,050/week x 52 weeks ($54,600) | Monthly $277 |
Short-Term Care Insurance - HOME CARE BENEFITS ONLY | ||
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MALE, Age 65 - Home Care Benefit of $1,050/week x 52 weeks ($54,600) | Monthly $63 | |
FEMALE, Age 65 - Home Care Benefit of $1,050/week x 52 weeks ($54,600) | Monthly $63 | |
MALE, Age 75 - Home Care Benefit of $1,050/week x 52 weeks ($54,600) | Monthly $133 | |
FEMALE, Age 75 - Home Care Benefit of $1,050/week x 52 weeks ($54,600) | Monthly $133 |
If you are a consumer with questions about short-term care insurance, we invite you to call the Association offices at 818-597-3227
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LIFE EXPECTENCY WITH DEMENTIA
At age 65, a man can expect to live 5.7 years and a woman 8.0 years following a dementia diagnosis. At age 85, the life expectency is much shorter.
When citing data, please credit: "American Association for Long-Term Care Insurance, 2024, www.aaltci.org"
BACK TO TOPMEDIAN TIME TO NURSING HOME ADMISSION FOLLOWING DEMENTIA DIAGNOSIS
Median time to nursing home admission was 3.3 years (interquartile range 1.9 to 4.0). 13% of people were admitted in the first year after diagnosis, increasing to 57% at five years, but few studies appropriately accounted for competing mortality risk when assessing admission rates.
When citing data, please credit: "American Association for Long-Term Care Insurance, 2024, www.aaltci.org"
BACK TO TOPREPORTERS - EDITORS & BLOGGERS
If you would like additional information please call or email Jesse Slome, Executive Director of the American Association for Long-Term Care Insurance.
Phone: 818-597-3227
Click Here To Email Jesse Slome