Determine Your Long-Term Care Insurance Need

We can help you learn about the cost of long-term care services and estimate what you might pay for a policy.

Review the Cost of Care

Costs may vary widely depending on where you live. We can show you the cost of long-term care services in your state and estimate the cost in the future with assumed inflation.

Annual cost for home health aide is based on services received 44 hours per week, 52 weeks per year. Annual cost for services are required.

Source: Mutual of Omaha Insurance Company's Cost-of-Care Study conducted by Illumifin, 2023; released March 2024
Source available upon request.

Estimate the cost of a Long-Term Care policy

Let us provide a rough idea of what you might pay for a basic policy. A licensed insurance agent will be able to provide a quote for a policy tailored to your specific needs.

Can I save on my premium?

We want to help you keep your premium payments as low as possible. Here are some ways you may be able to save.

Partner (both issued)

15 percent saving when policies for you and your partner are issued under the same policy form.

Partner (one issued)

5 percent savings if you are married but your partner does not purchase a policy.

Preferred

15 percent savings for being in good health.

The best time to buy a policy

The best time to buy long-term care insurance is before you need it. Unfortunately, there’s no way to know when that might be. Here are two reasons to consider purchasing a policy now.

Your Age

The cost of long-term care insurance is based on your age when you purchase your policy. That means every year you wait, the cost could increase.

Your Health

Your ability to purchase a policy is based on your good health. While you may be healthy today, a change tomorrow could make you ineligible for coverage.

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  Long-term care insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE, 68175 1-800-775-6000. Policy form: ICC13-LTC13. This policy has exclusions, limitations and reductions and terms under which the policy may be continued in force or discontinued. Benefits may be provided by a combination of the policy and riders and are subject to underwriting. Premiums will vary depending on the benefits selected. Premium rates may increase. A medical exam may be required for coverage. For costs and complete details of coverage, call your agent/producer or write to the company.

  This is a solicitation of insurance. You may be contacted by an agent/producer.

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