When Should I Apply For Long Term Care Insurance?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    You should apply for Long Term Care insurance at an age that gives you the best prices, yet not so young that you are sitting on it for decades without needing it. Applying for coverage between age 50-60 is young enough to get reasonable rates and most people are healthy enough to still qualify for it.
    Answered on July 12, 2013
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  2. 624 POINTS
    BILL HANNA
    Agent, WMH Consulting LLC, Fort Worth, Texas
    Most of my LTC (Long Term Care) policy holders applied between the ages of 50-60. Generally better health and reasonable premiums in that age bracket seemed to be a major determining factor. I would recommend locating an independent agent that specializes in LTC/Medicare to determine which plan/options best suit your specific needs...
    Answered on June 26, 2015
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