{"id":755,"date":"2026-10-30T10:00:00","date_gmt":"2026-10-30T10:00:00","guid":{"rendered":"https:\/\/www.insurancestrategies.net\/blog\/?p=755"},"modified":"2026-10-30T10:00:00","modified_gmt":"2026-10-30T10:00:00","slug":"which-type-of-long-term-care-insurance-is-right-for-you","status":"publish","type":"post","link":"https:\/\/www.insurancestrategies.net\/blog\/2026\/10\/30\/which-type-of-long-term-care-insurance-is-right-for-you\/","title":{"rendered":"Which Type of Long-Term Care Insurance Is Right for You?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Long-term care insurance includes traditional stand-alone policies that pay monthly benefits after a waiting period and require inability to perform two of six daily activities or cognitive impairment. Few insurers now offer these. Hybrid life-LTC policies combine life insurance with LTC benefits, allowing early access to death benefits for care, with fixed premiums and potential return-of-premium options but higher upfront costs. Annuities with LTC riders increase payouts during care events.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.kiplinger.com\/retirement\/which-type-of-long-term-care-insurance-works-for-you\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Long-term care insurance includes traditional stand-alone policies that pay monthly benefits after a waiting period and require inability to perform two of six daily activities or cognitive impairment. Few insurers now offer these. Hybrid life-LTC policies combine life insurance with LTC benefits, allowing early access to death benefits for care, with fixed premiums and potential [&hellip;]<\/p>\n","protected":false},"author":173,"featured_media":756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/755","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/users\/173"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/comments?post=755"}],"version-history":[{"count":1,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/755\/revisions"}],"predecessor-version":[{"id":777,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/755\/revisions\/777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media\/756"}],"wp:attachment":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media?parent=755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/categories?post=755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/tags?post=755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}