Frederick Orentlich – Founder and President of Senior Financial Services Inc

Here’s a breakdown of what Long‑Term Care Insurance (LTC insurance) typically costs — and what drives those costs — in the United States today. 💵 How much does LTC insurance cost? Costs vary based on your age when you buy the policy, gender, coverage level, and whether the policy includes inflation protection Here are some recent typical premiums for a common LTC insurance policy (benefit pool: $165,000 ): Age 55: single male — about $950/yr ; single female — about $1,500/yr . Age 60: single male — about $1,200/yr ; single female — about $1,900/yr . Age 65: single male — about $1,750/yr ; single female — about $2,700/yr . For a couple (both 55): roughly $2,080/yr combined. If the policy includes inflation protection (so benefits grow over time), premiums are higher — sometimes significantly. 🔎 Why costs vary: What affects your premium Your LTC insurance premium depends on several factors: Age at purchase — younger buyers generally pay ...