Long Term Care problems Solved
Ask the expert, Dennis H. Lentin

At what age should you buy Long Term Care?

The best age for someone to buy Long Term Care is age fifty-four.

To best explain this let's say that an individual purchases a low option policy that will pay one hundred dollars per day for a three year benefit, or a pool of money that will pay out a total of one hundred nine thousand five hundred dollars. ( for this example no options have been added to the policy)

If the purchaser does not access their policy until age eighty-five, they will have paid in a total of fourteen thousand one hundred dollars.

If they wait until age sixty to purchase the same plan, they will pay a total of sixteen thousand seven hundred fifty dollars by the time they are eighty-five.

Wait until age sixty-five, pay nineteen thousand two hundred dollars by eighty-five.

Wait until age seventy, and pay a total of twenty three thousand four hundred dollars by age eighty-five.

Or you can wait until age seventy-nine, the age some companies last issue Long Term Care policies, and pay a total of twenty seven thousand one hundred dollars.

If, during the time a person waited beyond age fifty-four, if they developed health problems, they might not be able to purchase a Long Term Care policy.

[ Back to Questions ]

For a free buyers guide to Long Term Care Insurance, call 1-800-960-0438

Email Us at

or write to:

Dennis H. Lentin
DL Financial Consultants
3852 Black Forest Circle,
Boynton Beach, Florida 33436