The results below provide a comparison of rates for Long-Term Care Insurance coverage on an ANNUALIZED basis for FOUR benefit plans. The FOUR benefit plans include $100 in daily benefits (Partnership Plans-the daily benefit is $130) and are as follows: 3-year without inflation protection, 3-year with 5% compound inflation protection, 5-year without inflation protection, and 5-year with 5% compound inflation protection. Benefits and rates will differ for the same company for each policy form. In the "Annual Rates Provided" table below, the sample rates are also offered as non-gender based (i.e., Unisex). Select a policy form number to see the benefits provided by the company.

Remember that the sample rates are just an example of what you might expect to pay for Long-Term Care Insurance. You should review this information and discuss your personal situation with your Long-Term Care Insurance agent before making a final decision. You can also get free, individual counseling from a trained HICAP long-term care insurance counselor that will help you understand how to choose benefits and features to match your own financial situation.

Pursuant to Assembly Bill (AB) 999, each company that will be offering, marketing, or selling long-term care insurance products (i.e. policy forms) in California on or after January 1st will need to provide "a specimen outline of coverage." To request for a specific outline(s) of coverage by company and long-term care policy form, please select "Long-Term Care (LTC) Insurance Outlines of Coverage."

Consumers can view the "Long-Term Care Rate and History Guide" for further information on long-term care insurance.