It is hard to know if and when one will need long term care and how much a long term care event may cost, but there are some statistics that may help. 


For example:

  • About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95.1.
  • An estimated 11 million U.S. adults need some type of long-term care.
  • The lifetime probability of becoming disabled in at least two activities of daily living or being cognitively impaired is 68% for people age 65 and older.
  • Just one hour of home-health-aide care costs roughly $20, while the average private nursing home room costs $87,000 a year, and neither routine employer-based medical insurance nor Medicare will pay for extended periods of custodial care.


‚ÄčThe Indiana Long Term Care Insurance Program (ILTCIP) is an innovative partnership between the State of Indiana and private long-term care insurance companies. Indiana has taken the lead in helping residents protect their hard-earned savings from the high cost of long-term care.

2019 Indiana Partnership LTC Policy Requirements

  • Minimum Daily Benefit - $115 per Day
  • Total Asset Policy  - Initial Policy Amount at least $390,035 (2020 - $409,537)


Indiana Impoverishment Protection Law 2019

(Brochure Download)

Did you know?...The lifetime chance someone who buys a policy at age 60 will use their policy before they die is 50%.

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