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Traditional LTC vs. hybrid life/LTC policies, inflation riders, elimination periods, and when to buy (hint: in your 50s).
Traditional long-term care insurance has a 'use it or lose it' problem: pay premiums for 20-30 years and if you never need care, the money is gone. Hybrid life/LTC polici
70 percent of Americans turning 65 will need long-term care. Buying coverage in your 50s costs roughly half of what it costs at 65.
How long-term care insurance premiums are calculated in 2026, plus seven levers you can pull right now to lower your annual cost without dropping coverage.
A complete 2026 guide to long-term care insurance coverage limits: what each number on your policy means, how to size them to your real exposure, and the gaps most buyers miss.