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Long term care facilities for 90 year old woman in Chicagoland

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What are the odds of needing long term care insurance?

The odds of needing long term care get bigger as the person grows older. This is the reason why long term care planning is important before you reach your retirement age. Waiting any longer can be very financially devastating.

Which states have approved Long Term Care Partnership Insurance?

I don't have the full list, but I think most states already have approved private long term care planning "partnership" policies that allow policyholders to protect substantial private assets from Medicaid should they exhaust their private insurance benefits and need to use Medicaid.

Long term care insurance - why do premiums change?

While there is no "normal", you are correct that most carriers have and will probably continue to raise rates on existing policies. In addition, many of the major carriers are no longer writing this type of coverage due to higher claims than originally anticipated. However, if you choose to pay ...