Federal LTC Plan Details and Long Term Care Insurance How Much Long Term Care Insurance Coverage Do I Need?

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Long term care is not just for the elderly! Think you're too young?

Nearly 41% of long term care is provided to people under age 65."

- Georgetown University Long-Term
Care Financing Project,
Long-Term Care Financing:
Policy Options for the Future,
June 2007.


How Much Long Term Care Insurance Coverage Do I Need?

How Much Long Term Care Insurance Coverage Do I Need?

There are several factors that should drive your decision.

First, consider the geographic area where you will most likely be receiving long term care services. The cost for services is generally higher in metropolitan areas. Find the Cost of Care in Your Area.

Second, consider how much money you can contribute from your savings to help cover the cost of care and how much you are able to afford in long term care insurance premiums. You may be able to pay a portion of the cost of care in return for a lower coverage amount and lower premium. Calculate how much you might be able to self-fund.

Finally, take into consideration the rising cost of medical expenses by carefully selecting an inflation protection option.

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Apply Today!

Federal family members can apply for coverage anytime—you do not have to wait for the next open season. Premiums are based on your age and the premium rates in effect at the time we receive your application—the younger you are when you apply, the lower your premium will be.

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