The Most Comprehensive LTC Insurance Information on the Web

The 2025 LTC News Annual Review is here, ranking the best long-term care insurance solutions—including hybrid plans and short-term cash indemnity policies. With options ranging from budget-friendly to premium coverage, this review is an essential starting point for your retirement planning journey.

The Internal Revenue Service announces the new age-based tax-deductible limits for the upcoming tax year each year. Tax-qualified Long-Term Care Insurance provides guaranteed tax-free benefits, and premiums can be either tax-deductible or reimbursable through Health Savings Accounts (HSAs).

Short-term and long-term disability insurance provides income replacement for those unable to work due to medical conditions. In contrast, long-term care focuses on assisting individuals with chronic illnesses or disabilities in performing daily activities and offering necessary care.

Preparing for the escalating costs of long-term health care is increasingly vital. A traditional LTC Insurance or hybrid plan is typically the optimal choice. However, short-term cash indemnity plans are gaining popularity and may present an ideal solution for some. But don't be misled by the name.

Long-Term Care Insurance Partnership policies provide residents with dollar-for-dollar asset protection. This type of LTC policy will safeguard your savings and enhance your retirement plan.

Long-Term Care Insurance specialists are professionals who can help you or your loved one learn about and apply for Long-Term Care Insurance. In this article, we’ll discuss what specialists do and how you can meet with one.

More than half of Americans reaching age 65 today (over 56%) can expect to need long-term care at some point. This care may be due to chronic health problems, accidents, trouble getting around, or simply becoming frail with age. Without planning, the physical, emotional, and financial burden on families can be significant.

Thinking about retirement? You are not alone. The population is getting older, and with that, more people retire each year. Preparing for a better retirement takes time and planning. Planning should happen prior to retirement for the best results.

A living will can prevent anxiety about medical treatment in case of an emergency when you’re unable to make your own decisions. We discuss what living wills cover and considerations for creating yours.

Pre-tax money in a Health Savings Account (HSA) can pay for Long-Term Care Insurance premiums. In 2025, the IRS raised the HSA contribution limits from their 2024 limits.

Did you know your Long-Term Care Insurance premium could be tax deductible? In this article, we’ll explain how you can deduct your premium from your income taxes. We’ll also discuss essential tax incentives associated with Long-Term Care Insurance.

Federal law provides important tax benefits for qualified Long-Term Care Insurance. This includes individuals as well as small and large businesses (S-Corporations, C- Corporations, LLCs, partnerships, and sole proprietors).

The IRS has released 2025 figures for long-term care insurance tax deduction amounts and HSA contribution limits. Find out what they are, and what it means for your retirement planning in 2025.

Nineteen states, including California and New York, are considering following Washington's lead in taxing those who do not own Long-Term Care Insurance. These plans may vary dramatically, but they illustrate the importance of planning now to protect assets, access quality care, and even avoid tax in the decades ahead.

As interest in long-term health care planning increases, the IRS has raised the tax incentives available for Long-Term Care Insurance for the tax year 2024. These tax incentives make LTC policies even more affordable for many Americans.