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Long-term care (LTC) insurance empowers more than 7 million people and their families with the freedom and flexibility to choose the long-term services and supports that work best for them. That means greater choice and control over when, where, and how they receive their care.

LTC insurance helps protect financial assets so that individuals and families can have the financial resources to pay for the care they may need. This takes the potential burden of care off families and provides peace of mind that individuals will be able to afford the type of care they may need and choose. LTC insurance costs only a fraction of what it would cost consumers if they had to pay for care completely on their own.