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Senior couple holding hands — long-term care insurance planning in Maryland
🇺🇸  Licensed Nationwide · Independent · Fiduciary-Minded · Serving Families Since 2010

Long-Term Care Insurance:
70% of People Over 65 Will Need It.
Almost Nobody Has a Plan.

A nursing home in Maryland costs $114,975 per year. Medicare pays for 100 days — then stops. Medicaid requires spending down to near-poverty. Long-term care insurance is the only tool that protects everything you’ve saved — your retirement, your home, and your children’s inheritance — from the most predictable financial risk in retirement.

70%
Over-65s Who Will
Need LTC (HHS)
$114K
MD Nursing Home
Per Year (2025)
100
Days Medicare Pays —
Then You’re On Your Own
3.1 yrs
Average LTC Duration
(ASPE / HHS)
1-in-5
Will Need More
Than $200K in Care
✓ No obligation · 2 minutes ✓ Independent — we compare all major carriers ✓ MD Partnership Program policies available
The Problem Nobody Wants to Talk About

Your Retirement Can Be Wiped Out in 4 Years.
By Something That Has Nothing to Do With the Market.

You spent 30 years building a retirement. You did the right things — maxed contributions, paid off the house, worked with an advisor. You have $500,000 saved and a solid plan.

Here’s what the plan doesn’t account for: one Alzheimer’s diagnosis requiring memory care costs $108,000–$120,000 per year in Maryland. A 4-year stay — which is common — consumes $430,000–$480,000.

That’s not a worst-case scenario. That’s the statistical average. And it happens to 70% of people who reach 65.

📊 The Cost Math Nobody Shows You

MD Nursing Home (private room) $114,975/yr
Memory Care (MD avg) $108,000/yr
Assisted Living (MD avg) $62,400/yr
Home Health Aide (part-time) $38,000/yr
Average 3-yr LTC total cost (MD) $434,883

Sources: CareScout 2025, ASPE/HHS, LTCI Consultants MD 2025 data

💸

Self-Pay Drains Everything

Paying out of pocket depletes IRAs, liquidates investments, and forces children into financial decisions during a crisis. IRA protection →

🏥

Medicare Stops at 100 Days

Medicare covers medical treatment — not custodial care. After 100 days of skilled nursing, you’re entirely on your own. See the gap →

👨‍👩‍👧

Family Can’t Fill the Gap

The average family caregiver loses $304,000 in wages, benefits, and retirement contributions over a lifetime of caregiving. Protect them →

The Bottom Line

“Long-term care insurance doesn’t protect you from needing care. It protects everything you’ve saved from being consumed by it — and it protects your family from becoming your unpaid caregivers.”

🛡️  Protect My Retirement — Get a Free Quote →
The Biggest Misconception in Retirement

Does Medicare Cover Long-Term Care?
No. Here’s Exactly What It Does — and Doesn’t — Pay For.

This is the most important thing you will read on this page. Most people discover this gap only after they or a parent needs care — by then, it’s too late to plan.

Medicare

What it actually covers for long-term care

✓

Hospital stays (Part A) — acute medical care after a qualifying event

✓

Up to 100 days of skilled nursing after a qualifying 3-day hospital stay — Days 21–100 require a daily copay (~$200/day in 2025)

❌ What Medicare Does NOT Cover:

  • Assisted living facilities — zero coverage
  • Memory care / dementia care — zero coverage
  • Custodial home care (bathing, dressing, eating) — zero
  • Care beyond 100 days in skilled nursing — zero
  • Long-term personal care of any kind — zero

Long-Term Care Insurance

What it actually covers

✓

Nursing home care — years of full coverage, not 100 days

✓

Assisted living facilities — full daily benefit applies

✓

Memory care / dementia units — covered in most policies

✓

In-home custodial care — help bathing, dressing, meal prep, medication

✓

Adult day services — supervised daytime care

✓

Respite care for family caregivers

✓

Home modifications — ramps, grab bars, bathroom safety

⚠️

What About Medicaid? (Updated 2026 Maryland Numbers)

Medicaid does cover long-term care — but only after you’ve spent down assets to qualify. In Maryland in 2026, a single applicant must have $2,500 or less in countable assets. For married couples, the healthy spouse may keep up to $162,660 (Community Spouse Resource Allowance). Maryland’s look-back period is 60 months (5 years) — asset transfers before that window are scrutinized. The home may be exempt if a spouse lives there, but is subject to the Medicaid Estate Recovery Program after death (home equity limit: $752,000 in 2026). Medicaid-funded facilities are typically lower quality and offer no choice of where you receive care. LTC insurance lets you choose your setting, stay in your home, and preserve every dollar you’ve saved. Asset protection strategies →

Three Ways to Get Protected

Traditional LTC, Hybrid Life+LTC, or Annuity+LTC:
Which Type Is Right for You?

We work with all three LTC coverage approaches and recommend the right one based on your age, assets, health, and goals — never based on what pays us the most.

📋

Traditional Standalone
LTC Insurance

Highest Daily Benefit

The original and most comprehensive form of LTC coverage. You pay a monthly premium and receive a defined daily or monthly benefit when you need care — typically $150–$400/day for 2–5 years with inflation protection riders that increase benefits automatically over time.

⚠️ 2025–2026 Rate Reality: The Maryland Insurance Administration has approved premium increases of 15–32% for some traditional LTC policies. Lock in while rates are still available.

Example: $200/day · 3-year benefit · 3% inflation rider · Age 58 · ~$180–$230/month premium

Best For:

  • Ages 50–65 in good health
  • Those wanting maximum daily benefit
  • Federal employees (FLTCIP group options available)
  • Maryland Partnership Program qualified policies
Get Traditional LTC Quote →
Most Popular
🔄

Hybrid Life Insurance
with LTC Rider

Money Never “Wasted”

A single premium or 10-pay whole life policy with an LTC acceleration rider. If you need care, the death benefit is paid as tax-free LTC benefit. If you never need care, the full death benefit goes to your heirs. Premiums are guaranteed — they can never increase.

Example: $100K single premium → $300K–$400K LTC benefit pool. If never used: $100K–$150K death benefit to heirs.

Best For:

  • Ages 55–72 with a lump sum or CD to reposition
  • Guaranteed premium — no future increases possible
  • People concerned about “use it or lose it”
  • Couples wanting joint coverage options

Key benefit: OneAmerica AssetCare® allows monthly premium payments (not just lump sum). See monthly payment options →

Get Hybrid LTC Quote →
📈

Annuity with
LTC Rider

Retirement Income + LTC

A fixed or indexed annuity with a long-term care doubler or multiplier rider. The annuity generates guaranteed retirement income during healthy years. If you need care, the benefit pool multiplies — typically 2x–3x the account value. One product solving two problems simultaneously.

Example: $90K into EquiTrust Bridge® → $110K+ LTC benefit pool at age 80 + guaranteed lifetime income starting now.

Best For:

  • Ages 60–75 who need both income AND LTC protection
  • 1035 exchanges from existing annuities or life policies
  • Health conditions limiting standalone LTC options
  • Repositioning CDs or low-yield savings

Tax advantage: LTC benefits paid from an annuity with qualified LTC rider are generally income-tax-free under the Pension Protection Act of 2006. Tax strategy →

Get Annuity+LTC Quote →
Feature Traditional LTC Hybrid Life+LTC Annuity+LTC
Premium Could IncreasePossible (state-regulated)✓ Locked forever✓ Locked
Death Benefit if UnusedNo✓ Yes✓ Yes
Monthly Premium Option✓✓ Select carriersUsually lump sum
Generates Retirement IncomeNoLimited✓ Yes
Inflation Protection✓ Riders available✓ Some productsLimited
MD Partnership Program✓ AvailableUsually notNo
Health UnderwritingFull underwritingSimplifiedMinimal / GI options
Long-Term Care Insurance Cost by Age

Every Birthday You Wait Costs Real Money.
Here’s Exactly How Much.

Premium is determined primarily by age and health at application — not when you need care. Locking in your rate now protects you from both future premium increases and future health changes that could disqualify you entirely.

Age at Application Monthly Premium* Extra vs. Age 55 Lifetime Extra Cost Health Risk
Age 55 ⭐ Optimal $150–$185/mo Baseline Baseline Lowest
Age 60 $190–$235/mo +$40–$50/mo +$12,000–$15,000 Low–Moderate
Age 65 $280–$345/mo +$130–$160/mo +$31,000–$38,000 Moderate
Age 70 $420–$510/mo +$270–$325/mo +$48,000–$58,000 Elevated
Age 75+ $650+/mo or declined +$500+/mo May be uninsurable High — may be declined

*Illustrative premiums: $200/day benefit, 3-year benefit period, 3% inflation protection. Actual premiums vary by carrier, state, health, and product. “Lifetime extra cost” assumes coverage to age 80.

If You Apply Today at 60

$190/mo

Locked for life

If You Wait Until 65

$310/mo

$120/mo more forever

The 5-Year Delay Costs You

$28,800+

In extra lifetime premiums

Lock In Your Rate Today

Get My Rate →
Coverage in Plain English

Exactly What Long-Term Care Insurance Pays For

When Benefits Are Triggered — The 6 ADL Factors

Long-term care insurance benefits activate when a licensed healthcare professional certifies that you meet one of two criteria:

Criterion 1: ADL Impairment

You are unable to perform at least 2 of 6 Activities of Daily Living (ADLs) without substantial assistance: bathing, dressing, eating, toileting, transferring, and continence.

Criterion 2: Cognitive Impairment

You require substantial supervision due to cognitive impairment such as Alzheimer’s disease, dementia, or other conditions affecting memory, reasoning, or orientation. This criterion alone triggers benefits.

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In-Home Care

The most preferred option — care in your own home. Covers home health aides, registered nurses for skilled care, physical/occupational/speech therapists, homemaker services, and personal care attendants.

🏢

Assisted Living Facility

For those who need help with daily activities but not 24-hour skilled nursing. Covers residential fees, personal care services, meals, housekeeping, and transportation. Maryland assisted living averages $62,400/year.

🧠

Memory Care / Dementia Units

Specialized care for Alzheimer’s and dementia patients. Memory care averages $108,000+/year in Maryland and often lasts 4–8 years. Cognitive impairment triggers benefits independently of ADLs.

🏥

Skilled Nursing Facility

24-hour care with nursing supervision — covering room and board, skilled nursing, medication management, and therapy beyond Medicare’s 100-day limit. Maryland’s most expensive setting at $114,975+/year.

☀️

Adult Day Services

Supervised daytime care in a community setting — allows caregiving family members to work or rest. Includes social activities, health monitoring, meals, and transportation. Often the most cost-effective early-care option.

🔧

Home Modifications & Equipment

Many policies cover home safety modifications: wheelchair ramps, grab bars, stair lifts, walk-in tubs, doorway widening, and medical alert systems — extending safe time at home by years.

Ready to See What Coverage Costs at Your Age?

Takes 2 minutes. We’ll show you quotes from multiple A-rated carriers — traditional, hybrid, and annuity+LTC — side by side.

🛡️  Get My Personalized LTC Quote — Free →
Maryland Residents Only

The Maryland Long-Term Care
Insurance Partnership Program

Maryland participates in a federal-state program that gives LTC insurance policyholders a powerful Medicaid asset protection benefit that standard policies cannot provide. Most people have never heard of it.

What Is the Partnership Program?

The Maryland Long-Term Care Partnership Program is a public-private partnership authorized under the federal Deficit Reduction Act of 2005. It allows private LTC insurance policies that meet specific state requirements to be certified as “Partnership policies.”

Partnership policies are sold by private insurers — the same carriers we work with — but provide an additional layer of Medicaid asset protection that standard policies do not.

The Dollar-for-Dollar Protection Benefit

For every dollar your Partnership policy pays in LTC benefits, one dollar of your assets is protected from Maryland’s Medicaid spend-down requirement — above and beyond the standard $2,500 asset limit.

Example: If your Partnership policy pays $200,000 in benefits, you can retain $200,000 in additional assets when applying for Medicaid — far above the standard $2,500 limit. Those assets are also protected from Medicaid estate recovery after death.

$1 : $1
Dollar-for-Dollar Asset Protection Ratio
50 States
Reciprocity — Protection Moves With You
Estate
Recovery Protection Included After Death
3% Min
Inflation Protection Required for Ages Under 76

Who Should Ask About a Partnership Policy?

✓

Maryland residents ages 50–75 considering a traditional standalone LTC policy

✓

Anyone with assets of $150,000–$1.5M who wants to preserve them from Medicaid spend-down

✓

People who move between states and want to keep their asset protection

✓

Anyone doing estate planning who wants to protect assets from LTC spend-down and estate recovery

Note: Hybrid life+LTC and annuity+LTC policies are generally not eligible for Partnership Program certification. Only traditional standalone LTC policies typically qualify. Ask us to compare both options for your situation.

Watch & Learn

Long-Term Care Insurance Explained in Plain English

The 70% stat, what Medicare actually covers, the 3 types of LTC policies, real costs, and how hybrid policies work — all in one video. Independent advisor. No sales pitch.

Real Families. Real Outcomes.

What LTC Planning Looks Like — And What Not Planning Looks Like.

Without LTC Insurance · Alzheimer’s

Patricia’s Family · Bethesda, MD

“My mother had $500,000 saved. The nursing home took it in 4 years.”

Patricia’s mother was diagnosed with Alzheimer’s at 78. She needed memory care at $9,000/month. Her $500,000 in savings lasted 4.5 years. By the time Medicaid kicked in, the family had spent every dollar her mother had saved. The nursing home she qualified for on Medicaid was 40 miles away.

$500,000 saved → $0 remaining. Family financially and emotionally exhausted. This is what most families experience without LTC coverage.

Hybrid LTC Policy · Stroke + Assisted Living

Michael & Diane · Silver Spring, MD

“We turned a $120,000 CD into a $380,000 protection plan.”

Michael and Diane repositioned a $120,000 CD earning 3.2% into a hybrid life+LTC policy at age 64. When Michael had a stroke at 72 requiring 3 years of assisted living, the policy paid $4,800/month. Their retirement savings, investments, and home remained completely untouched.

$120K repositioned → $380K benefit pool. Three years of care covered: $172,800. Retirement intact. Estate preserved. Get a similar quote →

Traditional LTC · In-Home Care · Parkinson’s

James & Linda · Rockville, MD

“He recovered at home, with dignity, at zero out-of-pocket cost.”

James was diagnosed with Parkinson’s at 71. Their traditional LTC policy, purchased at 62 for $210/month (joint coverage for both), paid $6,400/month for in-home care — allowing James to stay in his own home. The $210/month has returned $153,600 in care benefits — and counting.

$210/month premium paid for 9 years ($22,680 total) → $153,600+ in benefits paid so far. Home care preserved dignity and independence. Compare rates →

Long-Term Care Insurance FAQs

Every Question We Get Asked — Answered Completely and Honestly

What does long-term care insurance cover? ▼
LTC insurance covers assistance with Activities of Daily Living (ADLs) when you can no longer perform at least 2 of 6 independently: bathing, dressing, eating, toileting, transferring, and continence. It also covers care required due to cognitive impairment (Alzheimer’s, dementia) even without physical ADL impairment. Covered settings include: nursing home facilities, assisted living facilities, memory care units, in-home care, adult day services, respite care, and home modification equipment.
Does Medicare cover long-term care? ▼
No — not for custodial long-term care. This is the most critical misconception in retirement planning. Medicare covers acute medical care and up to 100 days of skilled nursing following a qualifying 3-day hospital stay. Medicare pays zero for: assisted living, memory care, in-home personal care, or any custodial care beyond 100 days. See the full Medicare gap comparison →
How much does long-term care insurance cost per month? ▼
Monthly premiums for a comprehensive traditional LTC policy ($200/day, 3-year benefit, 3% inflation rider) in 2025: Age 55: $150–$185/month · Age 60: $190–$235/month · Age 65: $280–$345/month · Age 70: $420–$510+/month. Hybrid life+LTC policies typically use a single premium ($50K–$200K) or 10-pay structure. Annuity+LTC products start at $25,000–$50,000 lump sum. Get your personalized rate →
What if I never use the policy — do I lose all my premiums? ▼
For traditional standalone LTC insurance, yes — unused premiums are not returned. However, hybrid life+LTC policies guarantee that if you never need care, the full death benefit is paid to your beneficiaries. Annuity+LTC products maintain your principal; your heirs receive the remaining account value. Return of premium riders are also available on some traditional policies. See hybrid options →
Can I qualify if I have health conditions? ▼
It depends on the condition and product. Traditional LTC policies require full medical underwriting. Hybrid life+LTC policies typically have simplified underwriting — no medical exam. Annuity+LTC products from carriers like EquiTrust offer guaranteed issue options with no health questions. We always find the best available option regardless of health history. Get assessed →
Are LTC insurance premiums tax-deductible? ▼
Traditional LTC premiums are partially tax-deductible as a medical expense. 2025 IRS age-based limits: Age 51–60: up to $1,020/year; Age 61–70: up to $2,720/year; Age 71+: up to $3,400/year. Benefits paid from a qualified LTC policy are generally received income-tax-free. Hybrid annuity+LTC products under the Pension Protection Act of 2006 allow LTC benefits paid completely tax-free. Business owners may have additional deduction opportunities. Tax planning strategies →
What is the best age to buy long-term care insurance? ▼
The optimal window is ages 55–65. At 55, you’re most likely to qualify medically, premiums are lowest, and you lock in a rate that cannot increase simply because you age. After 65, premiums are 40–60% higher than at 55, and health conditions developing in your 60s can make you uninsurable. The single most common thing clients say: “I wish I’d done this five years ago.” Lock in your rate now →
What is the Maryland Long-Term Care Partnership Program? ▼
The Maryland Long-Term Care Partnership Program is a public-private partnership between Maryland Medicaid and private insurers. A qualified Partnership policy provides dollar-for-dollar Medicaid asset protection: for every dollar your LTC policy pays in benefits, a dollar of assets is protected from Maryland’s Medicaid spend-down requirement — above the standard $2,500 limit for a single applicant in 2026. Partnership policies also protect those assets from Medicaid estate recovery after death. Maryland has reciprocity with other states’ partnership programs, so the protection travels with you if you move. Full Partnership Program details →

Still have questions? Our free quote process includes a no-pressure consultation with a licensed LTC specialist.

Get My Questions Answered + Free Quote →

Licensed for Long-Term Care Insurance in All 50 States

Maryland, Virginia, DC, and nationwide — we conduct the entire process by phone, video, or in person at our Brookeville, MD office. Maryland Long-Term Care Partnership Program policies available.

📍 Maryland 📍 Virginia 📍 Washington DC 📍 Florida 📍 Texas 📍 North Carolina + All 50 States
15+
Years in Business
3
LTC Coverage Types
Compared for You
A+
AM Best Rated
Carrier Partners Only
$0
Cost to Get
Your Quote
Senior couple planning long-term care insurance in Maryland

The Right Time Is Now

The Best Time to Plan for
Long-Term Care Was 10 Years Ago.
The Second Best Time Is Today.

One free conversation. We look at your age, health, retirement savings, and goals — and show you honestly which long-term care insurance option makes the most sense for your specific situation. No pressure. No obligation. Just answers.

🛡️  GET MY FREE LTC INSURANCE QUOTE →
✓ Completely Free ✓ Zero Obligation ✓ All 3 Coverage Types Compared ✓ 301-569-2224

MD Life Insurance · Brookeville, MD 20833 · 301-569-2224 · info@mdlifeins.com · Licensed in MD, VA, DC and nationwide. Long-term care insurance premium estimates are illustrative only based on approximate 2025 market rates for a standard policy configuration. Actual quotes depend on age, health, carrier, state, product type, and benefit design. Maryland Long-Term Care Partnership Program policies are subject to Maryland Insurance Administration certification requirements and carrier availability. Medicaid eligibility figures reflect 2026 Maryland guidelines and are subject to change. This page is for educational and informational purposes only and does not constitute financial, tax, legal, or insurance advice. Consult a licensed insurance professional before making any coverage decisions. Legal · Privacy Policy

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