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Women to pay more for long-term care insurance

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Kelly Blog PhotoIf you're considering purchasing long-term care insurance, you may want to look into it soon. Rates for new LTCi applications for women are expected to increase about 40% as women account for more and higher claims than men. Some long-term care insurers have begun to file new policies with gender-based pricing with the Wisconsin Department of Insurance and expect to start implementing new rates this spring.

Some of the facts that support that industry's trend for higher premiums for women include:

  • Home health care patients: 64% female vs. 36% male
  • Assisted living residents: 73.6% female vs. 26.4% male
  • Mean stays in days for assisted living residents: 957 female vs. 636 male
  • Total nursing home residents: 1,061,700 female vs. 430,500 male
  • New claims opened in 2010: 64% female vs. 36% male

(Source: 2011 Sourcebook by the American Association for Long-Term Care Insurance)

If you have questions or would like more information, we offer on-site educational seminars at UniServ offices and other venues throughout the state as well as online group seminars (visit You may also schedule a personal phone or online appointment with our long-term care specialists seven days a week from 8 a.m. to 8 p.m. Call 888-247-5905 or visit

Long-term care (LTC) insurance products are underwritten by multiple LTC insurers. Program administered by LTCi Marketing Administrators, (LiMA).

Kelly Behnke, CIC, CISR, ACSR
Personal Insurance Consultant