Long Term Care Insurance

Protect assets.

Ease the burden on loved ones.


According to PwC, $240,000 in 2016 was enough to cover the long term care liability for 75% of individuals.

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There are different types of insurance products that can reduce long term care exposure, including:

  • Long-term care (LTC) insurance

  • Individual disability insurance

  • Life insurance with an appropriate LTC or Chronic Illness (CI) rider

  • Critical illness insurance

Long Term Care insurance is the most traditional approach, but is not always the best approach to reduce exposure.  For example, an individual that is on track to self-insure in retirement may prefer a product that provides temporary protection during the asset accumulation years, rather than a product that is priced for lifetime renewability.  The individual's unique needs and qualifications will determined the best type of product to reduce LTC exposure.


With 23 years of experience in the long term care insurance market, Disability Underwriters offers insight into how to prudently select a carrier. 


Disability Underwriters works for you, to match what you need with the offerings of multiple insurance companies.


Disability Underwriters is alert to novel approaches and products.  

You may be a good candidate for a private long term care insurance policy if your goal is to get something better than state coverage.  

Before you begin, be prepared for the cost of LTC insurance to be in the range of $3,000-$6,000 per year.  That's what it takes to get a policy with any kind of meaningful protection against inflation.

The process begins with an intake form about your situation and qualifications.  In the interest of privacy, almost all questions can be deferred.  When you're done filling out the form, there will be a break while we prepare the Market Search Report. 

The Market Search Report will document the universe of possible options.  There will be roughly thirty (30) options, most of which will be ruled out from consideration for reasons of deal-killing importance, which will be explained on the report.  Some carriers will be eliminated based on financial ratings, others due to your unique needs and qualifications.   This preliminary report serves to narrow the focus down to one or two finalists.

After August 1, no further inquiries will be accepted assuming the tax issue is relevant to your decision.  Even if you start before August 1, there is a chance that coverage will not be issued in time to meet the November 1 deadline (October 31, actually) due to the backlog of applications currently in process and the nature of medical underwriting.


You can expect nearly immediate responsiveness so that you know things are moving.  From the start, you are really communicating with Rip Curtis who is just a man, not a call center.

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