Determine Your Long-Term Care Insurance Need
We can help you learn about the cost of long-term care services and estimate what you might pay for a policy.
Review the Cost of Care
Costs may vary widely depending on where you live. We can show you the cost of long-term care services in your state and estimate the cost in the future with assumed inflation.
Annual cost for home health aide is based on services received 44 hours per week, 52 weeks per year. Annual cost for LPN and RN can be determined based on the actual number of hours services are required.
Source: Mutual of Omaha Insurance Company's Cost-of-Care Study conducted by LTCG, 2022; released April 2023
Source available upon request.
Estimate the cost of a Long-Term Care policy
Let us provide a rough idea of what you might pay for a basic policy. A licensed insurance agent will be able to provide a quote for a policy tailored to your specific needs.
Can I save on my premium?
We want to help you keep your premium payments as low as possible. Here are some ways you may be able to save.
Partner (both issued)
15 percent saving when policies for you and your partner are issued under the same policy form.
Partner (one issued)
5 percent savings if you are married but your partner does not purchase a policy.
15 percent savings for being in good health.
The best time to buy a policy
The best time to buy long-term care insurance is before you need it. Unfortunately, there’s no way to know when that might be. Here are two reasons to consider purchasing a policy now.
The cost of long-term care insurance is based on your age when you purchase your policy. That means every year you wait, the cost could increase.
Your ability to purchase a policy is based on your good health. While you may be healthy today, a change tomorrow could make you ineligible for coverage.