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
2026-09-05
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.
2026-08-14
Brighthouse LTC Rate Increases: What the Filings Show
Brighthouse asked Connecticut for a 167% LTC rate increase and was denied; Vermont cut a 343% request to 49.8%. What the state filing record actually shows.
2026-08-07
Brighthouse "Long-Term Protection": What You Actually Have — and Who Pays Your Claim
"Long-Term Protection" isn't a Brighthouse product. Searchers hold one of three different LTC policies — here's how to tell which, and who pays each claim.
2026-07-31
Who Still Sells Long-Term Care Insurance in 2026?
The standalone LTC market fell from 100+ carriers in 2000 to fewer than a dozen. Who still writes new policies — and why Genworth just came back. A policyholder's map.
2026-07-25
MassMutual LTC Rate Increases: The Closed-Block Filing Record
MassMutual quit standalone LTC in 2021 and outsourced its closed block — but keeps repricing it. Pennsylvania 38.7%, New York 37.5% four years running. The record.
2026-07-18
Brighthouse Is Being Sold to Aquarian: What It Means for Your LTC Policy
Brighthouse Financial is being acquired by private-equity-backed Aquarian for $4.1B. If you hold a Brighthouse or old MetLife long-term care policy, here's what actually changes — and what doesn't.
2026-07-05
Is Genworth in Financial Trouble? What It Means for Your LTC Policy
Genworth the stock is not Genworth the insurer. Why your LTC policy's safety hinges on a C++-rated subsidiary and your state guaranty fund — not GNW's share price.
2026-06-29
Brighthouse Long-Term Care: SmartCare, Explained (2026)
Brighthouse doesn't sell standalone LTC — only the SmartCare hybrid. How its LTC benefit works, the cost-of-insurance catch, and what 2025's downgrades mean for buyers.
2026-06-22
How Long-Term Care Insurance Is Taxed: 1099-LTC & Deduction Limits
A 1099-LTC arrives when LTC benefits start. Per-diem policies can create taxable income above the IRS daily limit ($430/day in 2026). The claimant-side tax math, plus premium-deduction caps.
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.