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
2026-07-25
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.
2026-06-16
What Happened to Your MetLife Long-Term Care Policy
MetLife stopped selling LTC in 2010 and spun off Brighthouse in 2017 — but your policy stayed with MetLife. Who holds it now, who you call, and what it means.
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?
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.