Long Term Care Insurance is a special type of insurance designed to help cover the costs of personal care services—such as in-home care, assisted living, or nursing home care—that are not typically covered by traditional health insurance or Medicare. If you have a Long Term Care Insurance policy, it can provide peace of mind and financial support when you or your loved one needs help with daily activities like bathing, dressing, or meal preparation. As a provider, Asheville Home Health works directly with your insurance company to help you understand your benefits, navigate the claims process, and ensure all necessary documentation is submitted. Our experienced staff is here to answer your questions, coordinate care, and make sure you receive the maximum benefits available under your policy, so you can focus on what matters most: your health and well-being.
Need help filing a claim or finding your benefits? Our experienced staff can: Review your long-term care policy, Obtain physician forms and care plans, Submit documentation and claims to your insurance company and provide direct billing (no payment up front!)
We also accept plans from regional insurance carriers.
See below for a detailed comparison of the top rated Long Term Care Insurance companies.
Click on the chart or tap company names below for more information.
| Company | Phone | Policy Type | Elimination Period (Days) | Inflation Option | Shared Benefit | Details |
|---|---|---|---|---|---|---|
| Bankers Life | 1-800-621-3724 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 111 E. Wacker Drive, Suite 2100, Chicago, IL 60601 Licensed Agency Required? Yes Cash Benefit Available? No Pays Family Caregivers? No Zero-Day Home Care: No Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: High Waiver of Premium Trigger: After 90 Days Restoration of Benefits: No Home Modifications Covered: No International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Brighthouse Financial | 1-800-882-1292 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: 11225 North Community House Road, Charlotte, NC 28277 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Yes Cash Surrender Value: Yes Guaranteed Renewable: Yes |
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| Continental LTC | 1-866-830-0607 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 11001 Lakeline Blvd, Suite 120, Austin, TX 78717 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Davies Life and Health | 1-888-327-8880 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 100 NE Loop 410, Suite 830, San Antonio, TX 78216 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Guardian Life | 1-888-482-7342 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: 10 Hudson Yards, New York, NY 10001 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting: Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Limited Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Genworth | 1-800-876-4582 | Traditional | 90 | 3% Compound | Yes | + |
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Address: PO Box 40007, Lynchburg, VA 24506 Licensed Agency Required? Yes Cash Benefit Available? No Pays Family Caregivers? No Zero-Day Home Care: No Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: High Waiver of Premium Trigger: After 90 Days Restoration of Benefits: No Home Modifications Covered: Not Typically International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Global Atlantic | 1-877-244-7526 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: 20 Guest Street, Brighton, MA 02135 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Yes Cash Surrender Value: Yes Guaranteed Renewable: Yes |
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| John Hancock | 1-800-377-7311 | Traditional | 90 | 3% Compound | Yes | + |
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Address: PO Box 111, Boston, MA 02117 Licensed Agency Required? Yes Cash Benefit Available? Limited Pays Family Caregivers? Sometimes Zero-Day Home Care? No Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: High Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered? Yes (limited) International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| LifeSecure | 1-866-582-7701 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 10559 Citation Dr, Suite 300, Brighton, MI 48116 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Lincoln Financial | 1-800-487-1485 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: 100 N. Greene Street, Greensboro, NC 27401 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care: Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Yes Cash Surrender Value: Yes Guaranteed Renewable: Yes |
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| ManhattanLife | 1-800-669-9030 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 10777 Northwest Freeway, Houston, TX 77092 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| MassMutual | 1-800-272-2216 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: 1295 State Street, Springfield, MA 01111 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered? Yes International Coverage: Yes Cash Surrender Value: Yes Guaranteed Renewable: Yes |
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| MedAmerica | 1-800-544-0327 | Traditional | 30–365 | 3% or 5% Compound | No (Independent Allowed) | + |
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Address: 165 Court Street, Rochester, NY 14647 Licensed Agency Required? No (Independent Allowed) Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Moderate Waiver of Premium Trigger: After Elim. Period Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Limited Cash Surrender Value: No Guaranteed Renewable: Yes |
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| MetLife LTC | 1-800-638-5433 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 200 Park Ave, New York, NY 10166 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Mutual of Omaha | 1-888-232-4597 | Traditional | 0–365 | 3% Compound, CPI | Yes | + |
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Address: 3300 Mutual of Omaha Plaza, Omaha, NE 68175-3110 Licensed Agency Required? Yes Cash Benefit Available? Yes (Partial) Pays Family Caregivers? Sometimes Zero-Day Home Care? Yes (optional) Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered? Yes (optional rider) International Coverage? No Cash Surrender Value? No Guaranteed Renewable? Yes |
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| National Guardian Life | 1-800-548-2962 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 123 Town Square Place PMB 749, Jersey City, NJ 07310 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Nationwide | 1-855-863-9639 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: One Nationwide Plaza, Columbus, OH 43215 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered? Yes International Coverage? Yes Cash Surrender Value? Yes Guaranteed Renewable? Yes |
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| New York Life | 1-800-224-4582 | Hybrid | 90 | CPI-linked Compound | Yes | + |
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Address: PO Box 64670, St. Paul, MN 55164-0670 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Limited Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered? Yes International Coverage? Limited Cash Surrender Value? Yes Guaranteed Renewable? Yes |
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| Northwestern Mutual | 1-800-388-8123 | Traditional | 90 | 3% Compound | Yes | + |
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Address: PO Box 3450, Milwaukee, WI 53201-3230 Licensed Agency Required? Yes Cash Benefit Available? No Pays Family Caregivers? No Zero-Day Home Care? No Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Low Waiver of Premium Trigger: After 90 Days Restoration of Benefits: No Home Modifications Covered: Not Standard International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| OneAmerica | 1-800-275-5101 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: One American Square, Indianapolis, IN 46282 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered? Yes International Coverage: Yes Cash Surrender Value: Yes Guaranteed Renewable: Yes |
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| Pacific Life | 1-800-347-7787 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: 700 Newport Center Drive, Newport Beach, CA 92660 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Yes Cash Surrender Value: Yes Guaranteed Renewable: Yes |
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| Securian Financial | 1-800-233-2881 | Hybrid | 90 | 3% Compound | Yes | + |
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Address: 400 Robert Street North, St. Paul, MN 55101-2098 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Low Waiver of Premium Trigger: Day 1 of Claim Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Yes Cash Surrender Value: Yes Guaranteed Renewable: Yes |
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| State Farm | 1-866-855-1212 | Traditional | 90 | 5% Compound | Yes | + |
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Address: One State Farm Plaza, Bloomington, IL 61710 Licensed Agency Required? Yes Cash Benefit Available? No Pays Family Caregivers? No Zero-Day Home Care? No Shared Spousal Benefit: Yes Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Home Modifications Covered: International Coverage: Cash Surrender Value: Guaranteed Renewable: Yes |
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| Thrivent | 1-920-628-6715 | Traditional | 90 | 3% Compound | Yes | + |
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Address: PO Box 8075, Appleton, WI 54912-8075 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes (w/ rider) International Coverage: Limited Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Transamerica | 1-800-523-7900 | Traditional | 30–90 | 3% Compound | Yes | + |
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Address: PO Box 189, Cedar Rapids, IA 52406-0189 Licensed Agency Required? Yes Cash Benefit Available? No Pays Family Caregivers? No Zero-Day Home Care: No Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: High Waiver of Premium Trigger: After 90 Days Restoration of Benefits: No Home Modifications Covered: Not Included International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Trustmark | 1-800-918-8877 | Traditional | 90 | 3% Compound | Yes | + |
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Address: 400 Field Drive, Lake Forest, IL 60045 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes Zero-Day Home Care? Yes Shared Spousal Benefit: Yes Partnership Eligible: Yes Medical Underwriting: Yes Premium Increase History: Moderate Waiver of Premium Trigger: After 90 Days Restoration of Benefits: Yes Home Modifications Covered: Yes International Coverage: Limited Cash Surrender Value: No Guaranteed Renewable: Yes |
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| Unum | 1-800-227-4165 | Traditional | 90 | 5% Compound (legacy) | Yes | + |
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Address: 1 Fountain Square, Chattanooga, TN 37402 Licensed Agency Required? Yes Cash Benefit Available? Yes Pays Family Caregivers? Yes (limited) Zero-Day Home Care? No Shared Spousal Benefit: Yes (if active) Partnership Eligible? Yes Medical Underwriting? Yes Premium Increase History: High Waiver of Premium Trigger: After 90 Days Restoration of Benefits: No Home Modifications Covered: Rare International Coverage: No Cash Surrender Value: No Guaranteed Renewable: Yes |
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