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.
12 ARTICLES
2026-10-24
John Hancock LTC Buyout Offer: How It Works and Who Should Take It
John Hancock’s buy-out check is 50% of the benefits it expects to pay you. Who is eligible, how it compares with the paid-up option, and who should keep the policy.
2026-10-16
Transamerica LTC Buyout Offer: How It Works and Who Should Take It
Transamerica is offering cash to cancel older LTC policies. How the amount is set, the notarized, received-by deadline rules, taxes, and who should keep the policy.
2026-10-12
John Hancock LTC Rate Increase 2027: Who Gets a Letter
John Hancock began mailing LTC rate letters in late September for 2027 anniversaries: Iowa, New Mexico, New Hampshire, Wisconsin. How to read yours.
2026-10-02
LTC Rate Increases: Requested vs. Approved in Maryland
Maryland cut a 382% LTC rate request to 15%. The 2025 record, the rule behind it, and why 15% steps can still trigger nonforfeiture.
2026-09-24
Chronic Illness Rider Claim Payout: The Actuarial Discount You Weren't Told About
If you own a life policy with a 'no additional cost' chronic illness rider, your claim payout may be 30–60% less than the face value. Here's the actuarial math — and the NAIC gap flagged in September 2026.
2026-09-24
Northwestern Mutual LTC Rate Increases: What the SERFF Filings Show
Northwestern Mutual still sells new standalone LTC — one of the only carriers that does. Its SERFF filing record shows a 27–30% per-round increase pattern. What in-force policyholders need to know.
2026-09-18
New York Life LTC Rate Increases: Legacy Policy History & What Policyholders Face
New York Life's ILTC-4300 and ILTC-5000 legacy blocks went through two rate increase waves: 18–40% in 2013–2015, then 80% in 2019–2022. The non-cancellable offer — and which states still face future increases.
2026-09-15
Long-Term Care Insurance Complaint Records: NAIC Ratios and AM Best Ratings by Carrier
NAIC complaint ratios, AM Best ratings, and documented rate hikes for major LTC carriers — separate breakdowns for buyers shopping for new coverage and policyholders managing existing policies.
2026-09-05
The FLTCIP 86% Rate Hike: Your Three Options as a Federal Enrollee
FLTCIP raised premiums an average 86% for 1.0 and 2.0 enrollees while closing to new applicants. Here are your three real options as a federal enrollee.
2026-08-29
The Genworth 'Special Election' Letter, Decoded
Three class-action settlements make Genworth mail "special election" letters revealing future rate hikes. Which one covers your policy—and what each option costs.
2026-08-21
CalPERS Long-Term Care: The Rate Hikes, the Lawsuit, and Your Options
The CalPERS LTC rate increases — 85% then a further 90% — where the Wedding v. CalPERS settlements landed, and how each benefit-reduction option actually trades off.
2026-08-17
The LTC Buyout Offer: How to Weigh the Cash Against Keeping Your Policy
A long-term care buyout is a lump-sum cash offer to surrender your policy. Why the number favors the insurer, how it differs from contingent nonforfeiture, the tax trap, and who each path fits.
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.