2025 Long term care insurance policy prices, statistics, buyer and claimant data


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.

We appreciate the financial support of insurance professionals who value AALTCI's role in creating heightened awareness and understanding of the value of LTCi. If you would like to join, click this link to become a supporting AALTCI member. Thank you.


Most Popular Searched Topics - 2025 Information

Click on the links to 'jump' to the specific data. Scroll DOWN for a complete listing.

  • NEW POLICY COST - 2025 Long-Term Care Insurance (AGE 65, Male - Female - Couples)
  • LOWEST & HIGHEST POLICY COSTS - Comparing 3 leading insurers- ages 55 & 65
  • CLAIMS PAID 2023 (2020-2023) - Total Amount - Number of Claimants
  • WHAT AGES DO LTC INSURANCE CLAIMS BEGIN? - For Traditional & Linked Benefit LTC Insurance

  • Links to Prior Years Long-Term Care Insurance Information
    Click on the links to 'jump' to that year's data.

    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

    Click the links to jump down to the various PRICING REPORTS

  • LOWEST & HIGHEST POLICY COSTS - Comparing 3 leading insurers- ages 55 & 65
  • NEW POLICY COST - 2025 Long-Term Care Insurance (AGE 55, Male - Female - Couples)
  • NEW POLICY COST - 2025 Long-Term Care Insurance (AGE 60, Male - Female - Couples)
  • NEW POLICY COST - 2025 Long-Term Care Insurance (AGE 65, Male - Female - Couples)
  • NEW POLICY COST - Comparing Traditional LTC Insurance vs. Linked Benefit (No growth)
  • NEW POLICY COST - Comparing Traditional LTC Insurance vs. Linked Benefit (3% growth)
  • NEW POLICY COST - Short-Term Care Insurance Price (2024) + Home Care Only Policy Pricing


  • 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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  • LIFE EXPECTENCY FOLLOWING A DEMENTIA DIAGNOSIS
  • MEDIAN TIME TO NURSING HOME ADMISSION FOLLOWING A DEMENTIA DIAGNOSIS


  • 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.

    COUPLE both AGE 55 -- $165,000 initial pool growing at 3% compounded annually.
    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.

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    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
    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
    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
    Rates above are for an initial pool of benefits equal to $165,000 (for Each at age 60).
    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
    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
    Rates above are for an initial pool of benefits equal to $165,000 (for EACH at age 65).
    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
    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
    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
    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

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    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
    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
    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
    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
    Policies include a 3% annual inflation growth option so benefits increase each year the policy is in place.. Prices can vary by State. Calculated: Jan. 2024

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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
    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
    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
    Rates calculated Marech 15, 2024. Based on leading insurer we feel offers the best short-term care insurance policy. Non-smoker rates, State of Illinois. Rates subject to change.
    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.

    life expectency with dementia

    When citing data, please credit: "American Association for Long-Term Care Insurance, 2024, www.aaltci.org"

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    MEDIAN 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.

    median time to nursing home admission

    When citing data, please credit: "American Association for Long-Term Care Insurance, 2024, www.aaltci.org"

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