Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Many consumers are now making a point of using the Internet to find products and services online. Online long term care insurance comparison tools give you the option to closely evaluate and compare your choices, before committing to this important coverage.

Get a quote for long term care insurance coverage today by entering your zip code right now!

Long term care insurance or LTCi coverage has been available since the 1980s. It used to pay for the cost of care when the policyholder is unable to perform one or more of the basic activities of daily living. These include eating, bathing, dressing, and using the washroom. Continence and getting in and out of bed or a chair are also included in this category.

Online Long Term Care Insurance Basics

A person needing long term care assistance isn’t necessarily an elderly individual. A person who has trouble with basic activities of daily living can be a younger adult who has become injured or ill and needs assistance.

The insurance coverage covers services provided in a number of settings and situation, including:

  • Nursing homes
  • Assisted living facilities
  • Alzheimer’s care centers.
  • Hospice care
  • Adult day care services
  • Respite care

Some policies will cover home care for the policyholder. If an insured person buys this type of coverage, the insurance will pay a benefit for a private duty nurse, live-in caregiver, companion, housekeeper or therapist. Buying a long term care insurance policy means that the policyholder doesn’t have to use personal savings or sell assets to pay for the cost of their care. Having this protection in place also means that the policyholder’s family is not left having to pay for the cost of his or her care.

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Online Long Term Care Insurance Premiums

The best time to buy online long term care insurance coverage is when you are young and relatively healthy. Waiting until you are in your 50s or 60s to buy this protection means that you will be paying much higher rates for your coverage.

The amount you will pay in premiums also depends on the level of coverage you choose. Many long term care policies pay out based on a per diem rate or a set rate per month. The higher the level of coverage selected, the higher the cost of your LTCi policy.

Choosing a policy that does not have a waiting period before it will start paying out benefits also means that you will be paying higher premium rates. When you are looking at coverage options, be sure to ask whether the plan you are considering will start to pay benefits right away or not, and how the price structure would change if you chose one with a longer waiting period.

Compare Rates for Online Long Term Care Insurance

To get the best rates for long term care insurance, be prepared to shop around and compare rates from different providers. Each company uses its own formula to assess the level of risk that an applicant presents for insurance purposes. Since the underwriters from different companies are using different rules for setting prices, premium rates can vary greatly between providers for the same level of coverage.

When you are considering where to buy your long term care coverage, take the time to check out the insurance company carefully. You want to be sure that the one you choose is financially stable and will be able to make the ongoing payments that you would need if you have to make a claim against the policy.

It’s worthwhile to check out the company you are considering with one of the ratings agencies, such as Moody’s or Standard & Poor’s. Ideally, you want to find one that has an A or A+ rating. The company web site may provide you with this information, but you should also check this out independently to make sure that the information posted online is current.

No one wants to think that a time may come when they may not be able to care for themselves. Putting online long term care insurance coverage in place means that you can have peace of mind that you have resources available in case you need assistance. Including home care in your coverage gives you greater flexibility and may mean you can stay in your own home longer.

Enter your zip code to get a quote for long term care insurance coverage now!