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
2026-06-08
Transamerica LTC Rate Increases: TransCare Filing History
Transamerica stopped selling TransCare in 2021 but keeps repricing its in-force book — Pennsylvania approved 30% then 17.48%, Connecticut 20%. The filing record.
2026-06-02
John Hancock LTC Rate Increases: Filing History & the Closed-Block Reality
John Hancock stopped selling standalone LTC in 2016 but keeps repricing its in-force book — Maryland approved 29.9% in 2025, North Carolina ~25%/yr. The filing record.
2026-05-25
Your LTC Carrier Stopped Selling New Policies. Here's What Happens to Yours.
Carrier exits don't terminate in-force LTC policies. Block transfers, reinsurance assumption, and the $300,000 state guaranty cap — the mechanics that govern your policy when the company behind it changes hands.
2026-05-18
Shared Care for Couples LTC: The Math Behind a 4× Claim Risk
When one spouse files a long-term care claim, the other spouse's claim probability rises to roughly 4× the baseline. The shared care rider exists for that risk — here is the math and the carrier variations.
2026-05-16
Inflation Protection vs. Nonforfeiture: Two Riders That Solve Different Problems
Inflation protection and nonforfeiture are LTC's two most important optional riders — and they protect against completely different failure modes. Here's which one matters more, by scenario.
2026-05-16
Nonforfeiture Options Compared: Which One Preserves the Most Insurance Protection?
Side-by-side comparison of all nonforfeiture options — Reduced Paid-Up, Extended Term, Cash Surrender, Shortened Benefit Period, and contingent nonforfeiture. Which preserves the most coverage, and when does each one make sense?
2026-05-16
Nonforfeiture vs. Nonforfeiture Rider: What's the Actual Difference?
An LTC policy can have two different things called 'nonforfeiture' — the rider you bought at issue (the Shortened Benefit Period rider) and the §28 contingent benefit that's mandated by regulation. Here's the disambiguation.
2026-05-09
Where Dave Ramsey Is Right and Wrong About Long-Term Care Insurance
Ramsey says buy LTC at 60, take a 3-5 year benefit, and self-insure if you can. The age advice is half-defensible. The self-insurance threshold is mis-calibrated. The math, with sources.
2026-04-30
Contingent Nonforfeiture Benefit: LTC Policyholder Guide (NAIC §28 Trigger + 120-Day Deadline)
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
Genworth LTC Rate Increases: 2018–2025 Filing History & What In-Force Policyholders Face
Genworth LTC rate increases by year: a 2018–2025 filing history. CT 2022 avg 97% (79–173%), MA 2023 161% denied, FL 98.1% phased, $31.8B cumulative NPV approved through Q3 2025. What in-force policyholders face next.
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.
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.