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What Premium Discounts Are Available for Long Term Care Insurance?

All of the major "Blue Chip" Long Term Care Insurance companies offer premium discounts for couples, partners, and even for people living in the same household. For example, brothers could qualify for these discounts with some carriers if they live together and both apply for coverage.

The typical Long Term Care Insurance couple and partner discounts range anywhere from 10 to 40 percent, depending on the specific insurance company.  Because the potential premium savings on your Long Term Care Insurance policy may be significant, be sure to ask your agent about these discounts.

Gay and Lesbian Partner Discounts

Every major Long Term Care Insurance company offers the "Married or Couple" discounts to gay and lesbian couples who live together. In most cases it's the same as a full marriage discount, though there are exceptions with a few carriers.

Preferred Health Discounts

Preferred, or Good Health Discounts, are extended to Long Term Care Insurance policy holders who have better health than most.  These preferred health discounts can be significant and range from 10 to 20 percent off the entire Long Term Care Insurance premium.  Different Long Term Care Insurance companies have different preferred health criteria, so be sure to check with several companies to maximize your chances of getting the preferred health discount.

At LTC Tree we can help guide you through the maze of discount options so that you can truly maximize the premium discounts available for you.  Simply fill out the form below to get started today.
Last Updated ( Sunday, 29 January 2012 )
 

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