EDITORIAL COVERAGE
Deep Market Analysis
Long-form coverage of LTC insurance for existing policyholders — rate-hike navigation, carrier intelligence, claim mechanics, contingent nonforfeiture, alternatives, and policy regulatory context.
10 ARTICLES
2026-04-30
Contingent Nonforfeiture, Explained: The LTC Paid-Up Benefit After a Big Rate Hike
NAIC Model Reg §28's contingent benefit upon lapse turns a big rate increase into a paid-up policy at total premiums paid. Trigger schedule, the math, the 120-day deadline, and who's left out.
2026-04-30
DRA Partnership Policies: How LTC Insurance Protects Assets in Medicaid Spend-Down
Partnership-qualified long-term care policies provide dollar-for-dollar Medicaid asset disregard. The 2005 Deficit Reduction Act federal authority, the state implementation, and what it actually buys for spend-down planning.
2026-04-30
Inside Genworth's 2026 LTC Rate-Filing Trajectory: $31.8B Approved
Genworth has obtained $31.8B NPV in approved LTC rate increases through Q3 2025. Connecticut policyholders received avg 97% increases (range 79-173%). Massachusetts denied a 161% request. What it means for in-force policyholders.
2026-04-30
How LTC Insurance Claims Actually Get Paid (and Where They Get Denied)
The 90-day elimination period is a working-capital problem. ADL certification has specific document mechanics. The top 4 denial reasons are predictable. What to know before filing an LTC claim.
2026-04-30
Hybrid Life/LTC vs Traditional LTC: Eight Mechanisms the Cost Comparison Misses
A side-by-side cost comparison of hybrid life/LTC and traditional LTC misses eight structural mechanisms that change the math: claim trigger, payment style, rate exposure, lapse asymmetry, opportunity cost, underwriting access, tax treatment, and inflation mechanics.
2026-04-30
Should You Drop the 5% Compound Inflation Rider? The Math by Care Setting
The 5% compound inflation rider is the most expensive piece of a traditional LTC policy. Whether dropping it makes sense depends on your expected care setting. The math at home health aide vs nursing home growth rates.
2026-04-30
Mutual of Omaha's LTC Rate-Filing Posture: The Active-Carrier Story
Mutual of Omaha is one of the few major LTC carriers still actively writing new policies. Recent rate-action averages: 26% in 2023, 23% in 2024, 6% in 2025. What an active-carrier rate trajectory looks like vs. closed-block carriers like Genworth.
2026-04-30
The LTC Rate-Hike Letter: Five Options Inside the Decision Window
A long-term care rate-increase notice is a structured menu, not a single bill. The five options on the alternatives schedule, the deadlines that govern each, and the math signature for who each one fits.
2026-04-30
Self-Insure vs LTC Insurance: Real Math at $1M, $2M, $5M Net Worth
Three worked-out scenarios using nominal-frame present-value math. Why the keep-vs-drop answer changes at each wealth tier — and where the $5M policyholder should rethink.
2026-04-30
Should You Drop Your Long-Term Care Insurance? It Depends on What's Prompting the Question
Six triggers prompt the question of dropping a long-term care policy — rate hike, slow-burn affordability, health change, life-circumstance shift, value re-evaluation, and industry disillusionment. Each changes the math.
EDITORIAL PROCESS
Every post is grounded in primary sources (NAIC SERFF filings, state insurance department records), numerically verified, and adversarially reviewed before publication. Read our methodology.