Editorial Disclaimer

We are not licensed

The Long Term Care Desk is an independent editorial publication. We are not a licensed insurance agent, insurance broker, financial advisor, or attorney. We do not sell long-term care insurance policies. We do not collect commissions from carriers or producers on policy sales. We do not provide personalized financial, legal, tax, or insurance advice.

Editorial analysis is not personal advice

The articles, calculators, and data tools published on this site present general editorial analysis based on publicly available data. Our content does not consider your specific financial situation, health status, family circumstances, state regulations, or policy-specific contract terms.

Your actual long-term care insurance policy is a binding contract whose terms control your specific situation. Decisions about whether to buy, keep, modify, or drop a policy — including whether to invoke contingent nonforfeiture, accept a reduction, appeal a rate increase, or self-insure — should involve a fiduciary financial advisor, a licensed insurance professional with no commission tied to the recommendation, or an attorney as appropriate.

Calculators

The Self-Insurance vs LTC Insurance Breakeven calculator and any other interactive tools on this site produce scenario analyses based on user-supplied inputs and assumptions we disclose on the calculator page. The outputs are illustrative — they are not personal recommendations, projections, or guarantees. Underlying assumptions about investment returns, longevity, future cost of care, future premium increases, and similar variables are stated explicitly and may not reflect your actual experience.

Do not make a decision to drop, reduce, or modify an existing long-term care insurance policy based solely on calculator output. Confirm the math against your specific policy schedule and an independent fiduciary advisor’s review.

Carrier-specific coverage

When we publish analysis of specific insurance carriers — rate-filing patterns, product mechanics, financial strength, in-force book management, exit history — we cite primary sources (NAIC SERFF filings, state insurance department records, AAALTCI data, regulatory press releases). Carrier-specific characterizations represent our editorial interpretation of public records and are subject to update as new filings or rulings emerge.

We have no business relationship with any insurance carrier. Carriers are not given pre-publication review or right of reply. Editorial criticism of a carrier does not constitute legal claim or factual assertion beyond the cited source documents.

Regulatory and legal information

State insurance regulations, federal Medicaid rules, NAIC model regulations, and case law evolve continuously. While we make reasonable efforts to keep our coverage current and to date-stamp our methodology and content reviews, we cannot guarantee that information published on this site reflects the most recent applicable regulation in your state. Verify current rules with your state insurance department, a licensed attorney admitted in your state, or your state Medicaid office before making decisions with legal or regulatory consequences.

No fiduciary relationship

Reading this site does not create a fiduciary, advisory, agency, attorney-client, or any other professional relationship between you and The Long Term Care Desk. We owe you no duty beyond the editorial standards documented in our methodology page.