How much does long-term care insurance cost at age 60?
A healthy 60-year-old typically pays about $1,500 to $2,500 a year for a traditional long-term care policy — less for men, more for women — though premiums vary widely by health, benefits, and carrier.
At age 60, a healthy applicant can expect a traditional long-term care insurance policy to cost roughly $1,500 to $2,500 per year for about $165,000 of initial benefits. Men often pay near the low end and women toward the high end, because women live longer and file more claims.
Sixty is a common age to buy: you are usually still healthy enough to qualify, and rates are lower than they will be at 65 or 70. Waiting raises both the premium and the chance of being declined.
Your real number depends on your health, the daily benefit and benefit period you pick, the elimination period, and whether you add inflation protection. A personalized quote is the only way to know it.
General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.
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