Long-Term Care Insurance

Long-term care (LTC) insurance provides assistance to individuals who can no longer perform the day-to-day activities normally associated with independent living due to chronic illness, disability, disease or merely as a result of the frailties of aging. This assistance can be provided in the home, community or at an assisted living facility or nursing home. More than nine million Americans have obtained LTC coverage; however, far too many individuals continue to put off planning for LTC until it is actually needed, at which point they face severe constraints to finance their care.


Long-Term Care Pathfinder Toolkit

 

Latest Resources

Guide to Long-Term Care Insurance - [PDF]

Long-term care (LTC) insurance is an important tool for protecting against financial risk should chronic illness or disability leave a person unable to perform activities of daily living. Going beyond medical care and nursing care LTC insurance provides assistance through a variety of services to help meet everyday needs. LTC benefits can be received in a nursing home, assisted-living facility, or in the home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness may also need long-term care.

AHIP Consumer Guides | 02/27/2014

My Life. My Family.

My Life. My family. is a national education campaign by America’s Health Insurance Plans (AHIP) to inform consumers about their risks of needing long-term care and the valuable financial protection long-term care insurance provides.

Advocacy and Coalition Websites | 10/02/2012

Who Buys Long-Term Care Insurance in 2010-2011? - [PDF]

Who Buys Long-Term Care Insurance in 2010-2011? is a twenty year study of the long-term care insurance marketplace that AHIP has undertaken with LifePlans, Inc.

 
Reports/Research/White Papers | 03/22/2012

The Key Role of Insurance in Addressing America’s Long-Term Care Challenge - [PDF]

The AHIP Board of Directors released a statement on the role of long-term care insurance for an aging baby-boom population.

AHIP Board of Directors Statements | 03/09/2009

Generation-X Feels Unprepared for Long-Term Care Costs and the Future, Survey Finds

Washington, DC -  Many members of Generation-X say they feel unprepared for long-term care and do not feel they are taking the necessary steps to prepare for their futures, according to a survey released today by America's Health Insurance Plans (AHIP). The survey, conducted by StrategyOne on behalf of AHIP, found that over half (52 percent) of respondents born between 1960 and 1980 feel somewhat or entirely unprepared for long-term care.

Press Releases | Strategic Communications | 02/11/2009

Economic Downturn Impacting Women's Ability to Plan for Long-Term Care Costs, New Survey Finds

Washington, DC -  The current economic downturn has affected women's ability to plan and prepare for expensive long-term care costs, such as nursing home stays, according to a new survey released today by America's Health Insurance Plans (AHIP). The survey, conducted by StrategyOne on behalf of AHIP, found that 60 percent of women say the economy has affected their ability to plan for future long-term care costs.

Press Releases | Strategic Communications | 01/08/2009

AHIP Launches New Long-Term Care Education Campaign

WASHINGTON, DC -America's Health Insurance Plans (AHIP) today launched a new national education campaign to better inform consumers about their risks of needing long-term care and the valuable financial protection long-term care insurance provides.Too many Americans are not adequately protected against the risks of needing long-term care, said Karen Ignagni, President and CEO of AHIP.

Press Releases | Strategic Communications | 08/28/2008

Who Buys Long-Term Care Insurance? A 15-Year Study of Buyers and Non-Buyers - [PDF]

While people continue to purchase LTC insurance for multiple reasons, in 2005, the single most important reason for purchase was to protect assets.

Reports/Research/White Papers | Center for Policy and Research | 05/08/2007

Long-Term Care Partnerships: New Choices for Consumers -- Potential Savings for Federal and State Government - [PDF]

As more people purchase private LTC Partnership policies, the long-run outlook for Medicaid costs will improve.

Reports/Research/White Papers | Center for Policy and Research | 01/24/2007

Research Findings: Long Term Care Insurance in 2002 - [PDF]

This survey measures the growth of the long-term care insurance industry and monitors the evolution of long-term care insurance products.

Reports/Research/White Papers | Center for Policy and Research | 06/01/2004

Benefits of Long-Term Care Insurance: Enhanced Care for Disabled Elders, Improved Quality of Life for Caregivers, and Savings to Medicare & Medicaid - [PDF]

This study summarizes the major advantages of long-term care insurance for policyholders, caregivers, and public programs.

Reports/Research/White Papers | Center for Policy and Research | 09/01/2002

Who Buys Long-Term Care Insurance in the Workplace? - [PDF]

A study of employer long-term care insurance plans, 2000-2001.

Reports/Research/White Papers | Center for Policy and Research | 10/01/2001

Who Buys Long-Term Care Insurance in 2000? - [PDF]

A Decade of Study of Buyers and Nonbuyers.

Reports/Research/White Papers | Center for Policy and Research | 10/01/2000