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Here’s what to know. </h1> <div class="entry-subhead"> <div class="entry-meta"> <span class="author-avatar"><img width="80" height="80" src="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-140x140.png" class="avatar avatar-80 photo wp-post-image" alt="" srcset="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-140x140.png 140w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-336x336.png 336w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-771x771.png 771w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-768x768.png 768w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-600x600.png 600w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-400x400.png 400w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-200x200.png 200w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo.png 800w" data-attachment-id="1030158" data-permalink="https://ctmirror.org/?attachment_id=1030158" data-orig-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo.png" data-orig-size="800,800" data-comments-opened="0" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="CT Mirror Social Media Logo" data-image-description="" data-image-caption="" data-medium-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-336x336.png" data-large-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/11/CT-Mirror-Social-Media-Logo-771x771.png" /></span> <span class="byline"> <span>by</span> <span class="author vcard"><a class="url fn n" href="https://ctmirror.org/author/ct-mirror-explains/">CT Mirror Explains</a></span> </span> <span class="posted-on"><time class="entry-date published" datetime="2025-02-03T07:30:00-05:00">February 3, 2025 @ 7:30 am</time><span class="updated-label">Updated </span><time class="updated" datetime="2025-02-05T12:50:30-05:00">February 5, 2025 @ 12:50 pm</time></span> </div> <div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon sd-sharing"><div class="sd-content"><ul><li class="share-facebook"><a rel="nofollow noopener noreferrer" data-shared="sharing-facebook-1108635" class="share-facebook sd-button share-icon no-text" href="https://ctmirror.org/2025/02/03/ct-long-term-care-insurance-rates-explainer/?share=facebook" target="_blank" title="Click to share on Facebook" ><span></span><span class="sharing-screen-reader-text">Click to share on Facebook (Opens in new window)</span></a></li><li class="share-twitter"><a rel="nofollow noopener noreferrer" data-shared="sharing-twitter-1108635" class="share-twitter sd-button share-icon no-text" href="https://ctmirror.org/2025/02/03/ct-long-term-care-insurance-rates-explainer/?share=twitter" target="_blank" title="Click to share on Twitter" ><span></span><span class="sharing-screen-reader-text">Click to share on Twitter (Opens in new window)</span></a></li><li class="share-linkedin"><a rel="nofollow noopener noreferrer" data-shared="sharing-linkedin-1108635" class="share-linkedin sd-button share-icon no-text" href="https://ctmirror.org/2025/02/03/ct-long-term-care-insurance-rates-explainer/?share=linkedin" target="_blank" title="Click to share on LinkedIn" ><span></span><span class="sharing-screen-reader-text">Click to share on LinkedIn (Opens in new window)</span></a></li><li class="share-reddit"><a rel="nofollow noopener noreferrer" data-shared="" class="share-reddit sd-button share-icon no-text" href="https://ctmirror.org/2025/02/03/ct-long-term-care-insurance-rates-explainer/?share=reddit" target="_blank" title="Click to share on Reddit" ><span></span><span class="sharing-screen-reader-text">Click to share on Reddit (Opens in new window)</span></a></li><li class="share-email"><a rel="nofollow noopener noreferrer" data-shared="" class="share-email sd-button share-icon no-text" href="mailto:?subject=%5BShared%20Post%5D%20CT%20long-term%20care%20insurance%20prices%20are%20skyrocketing.%20Here%E2%80%99s%20what%20to%20know.&body=https%3A%2F%2Fctmirror.org%2F2025%2F02%2F03%2Fct-long-term-care-insurance-rates-explainer%2F&share=email" target="_blank" title="Click to email a link to a friend" data-email-share-error-title="Do you have email set up?" data-email-share-error-text="If you're having problems sharing via email, you might not have email set up for your browser. 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If you do republish CT Mirror content we ask that you follow a few guidelines: <ul> <li><b>You must use the HTML code below (including the Canonical code).</b></li> <li>You must include a byline, ideally in this format: "by Ginny Monk, CT Mirror."</li> <li>Access to CT Mirror content that you republish must remain free. You may not sell access to this article, place it behind a paywall, or grant downstream publication rights to other publishers.</li> <li>You must receive approval from CT Mirror <a href="mailto:bputterman@ctmirror.org">Publisher Bruce Putterman</a> prior to re-publishing your first CT Mirror story.</li> <li>See additional Republishing Guidelines, including conditions by which you may make small changes to story content, <a style="text-decoration: underline" href="https://ctmirror.org/republication-guidelines/">here</a>.</li> </ul></div><div class="article-info"><h1>CT long-term care insurance prices are skyrocketing. Here’s what to know.</h1> <p class="byline">by CT Mirror Explains, CT Mirror <br />February 3, 2025</p> </div> <textarea readonly id="republication-tracker-tool-shareable-content" rows="5"> <h1>CT long-term care insurance prices are skyrocketing. Here’s what to know.</h1> <p class="byline">by CT Mirror Explains, CT Mirror <br />February 3, 2025</p> <div class="wp-block-group is-style-border has-light-gray-background-color has-background has-normal-font-size" style="padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px"> <p class="has-small-font-size"><em>Original reporting by <strong>Jenna Carlesso, Dave Altimari, Katy Golvala </strong>and<strong> Andrew Brown. </strong>Compiled by <strong>Kat Struhar</strong>.</em></p> <p><em>Editor’s Note: This article is part of CT Mirror’s Spanish-language news coverage developed in partnership with&nbsp;<a href="https://identidadlatina.com/">Identidad Latina Multimedia</a>.</em></p> <p><em><a href="https://ctmirror.org/2025/02/05/ct-precios-seguros-atencion-largo/">Lea este artículo en español.</a></em></p> </p></div> <p>Nearly 100,000 people in Connecticut have long-term care insurance — coverage that, depending on the policy, supports skilled in-home care, rehabilitation therapy, assisted living, nursing home stays and respite care.</p> <p>But in recent years, the annual cost of maintaining these plans has skyrocketed, creating a system that continues to strangle its customers as they wrestle with canceling coverage or paying ever higher premiums. And the price of new plans for people who want to sign up is out of reach for many.</p> <p>Finding innovative ways to pay for elder care has taken on fresh urgency, as the nation’s older adult population is set to balloon in the coming years and Connecticut is home to a disproportionate number of older adults.</p> <p>But as complaints mount, <a href="https://ctmirror.org/2025/01/26/ct-long-term-care-insurance/">legislative reform has been slow</a>.</p> <p>Here’s what to know.</p> <h3 class="wp-block-heading">What is long-term care insurance?</h3> <p>Many people purchased long-term care insurance plans in the 1980s, 1990s or early 2000s with the understanding that the benefits would be available decades later when they might need them. The policies also help people protect their assets, so they don’t have to spend down their savings to qualify for Medicaid, which covers a majority of long-term care services in the U.S.</p> <p>Nationally, about 6 million people are covered by traditional long-term care insurance, though enrollment has been declining since 2013, analysts said. In 2000, there were more than 100 providers of these policies. In recent years, there are fewer than a dozen.</p> <p>When long-term care insurance was first introduced, it was marketed mainly to middle class and wealthy individuals, posing barriers from the beginning. But even for middle class families, maintaining these plans is becoming increasingly difficult.</p> <h3 class="wp-block-heading">Why are prices skyrocketing?</h3> <p>Prices are soaring due to miscalculations by insurers on how long people would live, the price of care and how many would need it. Policyholders complain of dramatic rate increases, often exceeding 50% and, for a few dozen people, as high as 174%, a Connecticut Mirror investigation has found.</p> <p>A combination of lower-than-expected interest rates and more people than anticipated holding onto their plans fueled problems, along with policyholders living longer and needing care for extended periods of time.</p> <p>“The original price for long-term care was not based upon any type of insurance data. They were general population studies and nursing home longitudinal studies,” Paul Lombardo, director of the Connecticut insurance department’s life and health division, said at a public forum in 2020. “Unfortunately, a perfect storm was brewing with long-term care.”</p> <p>Insurers had not counted on so many consumers maintaining their coverage. They assumed about 5% of consumers would drop their policies or default on payments, Lombardo said, but the reality has been about one half of 1% per year.</p> <p>All of those issues resulted in the push for annual premium increases.</p> <figure class="wp-block-image size-large"><img src="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-771x964.png" alt="" class="wp-image-1108776" /></figure> <h3 class="wp-block-heading">What options do policy-holders have to keep down their rates?</h3> <p>The options for struggling plan holders are bleak. Dropping the coverage could mean forfeiting a portion or all of the funds paid over the years. Many policies allow people to preserve some of their accrued benefits, but others don’t.</p> <p>To curb swelling premiums, consumers can reduce their benefits, but even with fewer benefits, many are still dealing with price hikes.</p> <p>In Connecticut, the Office of the Health Care Advocate and a special unit in the attorney general’s office help protect consumers who purchase health insurance. But there currently are no similar resources for long-term care insurance policyholders.</p> <h3 class="wp-block-heading">What have lawmakers tried to do to curb rising costs?</h3> <p>The issue has stymied lawmakers, who in the last six years introduced more than 50 bills committed to helping consumers, encouraging new enrollees in long-term care insurance plans and increasing transparency around rate hikes. Only a handful have passed, with limited measures of relief.</p> <p>Legislators have tried to create tax credits for people with policies, suggested capping or freezing annual rate hikes, recommended insurers notify consumers of the risk of premium increases before they purchase plans, and proposed holding public hearings so people can weigh in on price hikes — all to no avail.</p> <p>A federal solution has also been elusive.</p> <p>Congress passed the Community Living Assistance Services and Supports (CLASS) Act in 2010 to try to help people pay for elder care. The bill would have established a voluntary and public long-term care insurance program, but it was repealed in 2013 after the initiative was deemed too costly. Subsequent efforts have stalled.</p> <p>Meanwhile, some states are filling the void by launching their own programs.</p> <p>Washington state passed a bill in 2019 implementing a 0.58% payroll tax to fund a long-term care insurance pool, and at least 18 other states are <a href="https://www.ltcnews.com/articles/multiple-states-considering-implementing-long-term-care-tax" target="_blank" rel="noreferrer noopener">considering</a> a similar payroll <a href="https://www.ltcinsuranceconsultants.com/news/taxes/long-term-care-tax/#:~:text=States%20Considering%20a%20Long%2DTerm%20Care%20Tax&amp;text=Here's%20a%20partial%20list%20of,North%20Carolina%2C%20Oregon%20and%20Utah" target="_blank" rel="noreferrer noopener">tax</a>. Legislators in Connecticut say they are open to the idea.</p> <h3 class="wp-block-heading">What happens now?</h3> <p>Key lawmakers this month said they are considering a raft of legislation that would provide relief to policyholders and boost transparency around the state’s rate review process.</p> <p>At least 12 bills have already been introduced this session to address long-term care insurance. </p> <p>The concepts include&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=5328" target="_blank" rel="noreferrer noopener">a cap</a>&nbsp;on annual rate increases that exceed 4%, a <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=5328" target="_blank" rel="noreferrer noopener">requirement</a> that any rate hike of 20% or more be phased in over five years (instead of three, as current law states), a&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=5280" target="_blank" rel="noreferrer noopener">mandate</a>&nbsp;that carriers offer a full refund for premiums paid to any policyholder who requests it (provided the plan has existed for at least five years and the consumer has not submitted any claims),&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=452" target="_blank" rel="noreferrer noopener">requirements</a>&nbsp;for public&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=187" target="_blank" rel="noreferrer noopener">hearings</a>&nbsp;on rate hike requests,&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=116" target="_blank" rel="noreferrer noopener">tax</a>&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=5439" target="_blank" rel="noreferrer noopener">credits</a>&nbsp;and&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=5030" target="_blank" rel="noreferrer noopener">deductions</a>&nbsp;for&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=5144" target="_blank" rel="noreferrer noopener">policyholders</a>, a four-year&nbsp;<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=452" target="_blank" rel="noreferrer noopener">moratorium</a>&nbsp;on rate hikes, and an edict that insurers give people “<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&amp;which_year=2025&amp;bill_num=187" target="_blank" rel="noreferrer noopener">explicit notice</a>” of the “high risk” of premium increases before they purchase coverage, among other proposals.</p> <p>This &lt;a target=&quot;_blank&quot; href=&quot;https://ctmirror.org/2025/02/03/ct-long-term-care-insurance-rates-explainer/&quot;&gt;article&lt;/a&gt; first appeared on &lt;a target=&quot;_blank&quot; href=&quot;https://ctmirror.org&quot;&gt;CT Mirror&lt;/a&gt; and is republished here under a Creative Commons license.&lt;img src=&quot;https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2023/02/cropped-CTMirror_bug_rgb-180x180.jpg&quot; style=&quot;width:1em;height:1em;margin-left:10px;&quot;&gt;&lt;img id=&quot;republication-tracker-tool-source&quot; src=&quot;https://ctmirror.org/?republication-pixel=true&amp;post=1108635&amp;amp;ga4=G-9GVNVL530Q&quot; style=&quot;width:1px;height:1px;&quot;&gt;&lt;script&gt; PARSELY = { autotrack: false, onload: function() { PARSELY.beacon.trackPageView({ url: &quot;https://ctmirror.org/2025/02/03/ct-long-term-care-insurance-rates-explainer/&quot;, urlref: window.location.href }); } } &lt;/script&gt; &lt;script id=&quot;parsely-cfg&quot; src=&quot;//cdn.parsely.com/keys/ctmirror.org/p.js&quot;&gt;&lt;/script&gt;</p> </textarea> <button onclick="copyToClipboard('#republication-tracker-tool-shareable-content', this)">Copy to Clipboard</button> </div>1 </div> <figure class="post-thumbnail"> <img width="1200" height="800" src="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-1200x800.jpg" class="attachment-newspack-featured-image size-newspack-featured-image wp-post-image" alt="" data-hero-candidate="1" fetchpriority="high" decoding="async" srcset="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-1200x800.jpg 1200w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-336x224.jpg 336w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-771x514.jpg 771w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-768x512.jpg 768w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-1536x1024.jpg 1536w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-1024x683.jpg 1024w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-1568x1046.jpg 1568w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-400x267.jpg 400w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015.jpg 1600w" sizes="(max-width: 1200px) 100vw, 1200px" data-attachment-id="1094296" data-permalink="https://ctmirror.org/2024_0103_sr_adriana_015/" data-orig-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015.jpg" data-orig-size="1600,1067" data-comments-opened="0" data-image-meta="{"aperture":"4.5","credit":"","camera":"X-T4","caption":"","created_timestamp":"1704309334","copyright":"","focal_length":"23.4","iso":"3200","shutter_speed":"0.004","title":"","orientation":"0"}" data-image-title="2024_0103_SR_Adriana_015" data-image-description="<p>ltci</p> " data-image-caption="<p>Adriana Falcón Trafford took out a long-term care insurance policy in 2001. When she signed up for the plan, the annual premium was $2,608. Now, it’s close to $7,000.</p> " data-medium-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-336x224.jpg" data-large-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/09/2024_0103_SR_Adriana_015-771x514.jpg" /> <figcaption><span>Adriana Falcón Trafford took out a long-term care insurance policy in 2001. When she signed up for the plan, the annual premium was $2,608. Now, it’s close to $7,000. <span class="image-credit"><span class="credit-label-wrapper">Credit:</span> Shahrzad Rasekh / CT Mirror</span></span></figcaption> </figure> <article id="post-1108635" class="post-1108635 post type-post status-publish format-standard has-post-thumbnail hentry category-explain-archive category-health tag-distilling-explainer newspack_spnsrs_tax-ct-mirror-explains entry"> <div class="entry-content"> <div class="sponsor-uw-info"> <span class="logo"> <a href="https://ctmirror.org/explain" target="_blank"><img decoding="async" src="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2022/10/CTMirror_Vert_rgb.png" width="100.625" height="100" alt="CT Mirror Explains"></a> </span> <div class="info">  <p>This story is part of <strong><a rel="noreferrer noopener" href="https://ctmirror.org/explain" target="_blank">CT Mirror Explains</a>,</strong> an ongoing effort to distill our wide-ranging reporting into a "what you need to know" format and provide practical information to our readers.</p>  </div> </div> <div class="newspack-popup-container newspack-lightbox newspack-popup hidden newspack-lightbox-placement-bottom newspack-lightbox-size-full-width " role="button" tabindex="0" id="id_1058277" data-segments="70163,70165" data-frequency="0,0,1,month" data-scroll="40" > <div class="newspack-popup-wrapper " data-popup-status="publish" style="background-color:#ffdf40;color:#000"> <div class="newspack-popup__content-wrapper" style=""> <div class="newspack-popup__content"> <p class="has-text-align-center"><strong>Support trusted journalism in Connecticut. Join CT Mirror’s members today and make an impact.</strong></p> <div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex"> <div class="wp-block-button"><a class="wp-block-button__link has-white-color has-dark-gray-background-color has-text-color has-background has-link-color wp-element-button" href="https://ctmirror.fundjournalism.org/donate/?campaign=701Pk000004piXmIAI">Become a Member Now</a></div> </div> </div> <button class="newspack-lightbox__close" style="color: #000;" aria-label="Close Pop-up"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" role="img" aria-hidden="true" focusable="false"> <path d="M19 6.41L17.59 5 12 10.59 6.41 5 5 6.41 10.59 12 5 17.59 6.41 19 12 13.41 17.59 19 19 17.59 13.41 12 19 6.41z"/> </svg> </button> </div> </div> <div style="opacity: 0.85;background-color:#000000;" class="newspack-lightbox-overlay"></div> </div> <div id="page-position-marker_id_1058277" class="page-position-marker" style="position: absolute; top: 40%"></div> <div class="wp-block-group is-style-border has-light-gray-background-color has-background has-normal-font-size" style="padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px"><div class="wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow"> <p class="has-small-font-size"><em>Original reporting by <strong>Jenna Carlesso, Dave Altimari, Katy Golvala </strong>and<strong> Andrew Brown. </strong>Compiled by <strong>Kat Struhar</strong>.</em></p> <p><em>Editor’s Note: This article is part of CT Mirror’s Spanish-language news coverage developed in partnership with <a href="https://identidadlatina.com/">Identidad Latina Multimedia</a>.</em></p> <p><em><a href="https://ctmirror.org/2025/02/05/ct-precios-seguros-atencion-largo/">Lea este artículo en español.</a></em></p> </div></div> <p>Nearly 100,000 people in Connecticut have long-term care insurance — coverage that, depending on the policy, supports skilled in-home care, rehabilitation therapy, assisted living, nursing home stays and respite care.</p> <p>But in recent years, the annual cost of maintaining these plans has skyrocketed, creating a system that continues to strangle its customers as they wrestle with canceling coverage or paying ever higher premiums. And the price of new plans for people who want to sign up is out of reach for many.</p> <p>Finding innovative ways to pay for elder care has taken on fresh urgency, as the nation’s older adult population is set to balloon in the coming years and Connecticut is home to a disproportionate number of older adults.</p> <p>But as complaints mount, <a href="https://ctmirror.org/2025/01/26/ct-long-term-care-insurance/">legislative reform has been slow</a>.</p> <p>Here’s what to know.</p> <aside> <div class="newspack-popup-container newspack-popup hidden newspack-inline-popup newspack-newsletter-prompt-inline " role="button" tabindex="0" style="background-color:#ffdf40;color:#000" id="id_980404" data-segments="70162" data-frequency="0,0,0,month" data-suppression="Connecticut Mirror Mailing List" > <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <h3 class="wp-block-heading" id="h-get-in-depth-connecticut-reporting-in-your-inbox">Want to read more in-depth Connecticut news?</h3> <p style="font-size:15.5px;margin-top:-10px;">Get CT Mirror's latest government and public policy reporting in your inbox daily.</p> </div></div> <script>(function() { window.mc4wp = window.mc4wp || { listeners: [], forms: { on: function(evt, cb) { window.mc4wp.listeners.push( { event : evt, callback: cb } ); } } } })(); </script><form id="mc4wp-form-2" class="mc4wp-form mc4wp-form-1110879 mc4wp-ajax" method="post" data-id="1110879" data-name="Morning + Sunday (Inline Widget)" ><div class="mc4wp-form-fields"><p> <div style="height:0px;"> <input type="checkbox" name="INTERESTS[e32f2ef2a8][]" value="4b2a8b188e" checked="true"> <p> </div> <div style="height:0px;"> <input type="checkbox" name="INTERESTS[e32f2ef2a8][]" value="7aaab3801f" checked="true"> <p> </div> <div> <label> <input type="email" style="width:63%;font-size:14px;line-height:30px;" name="EMAIL" placeholder="Email Address" required /> </label> <input type="submit" style="width:35%;text-transform:uppercase;" value="Sign up" /> </div> </p></div><label style="display: none !important;">Leave this field empty if you're human: <input type="text" name="_mc4wp_honeypot" value="" tabindex="-1" autocomplete="off" /></label><input type="hidden" name="_mc4wp_timestamp" value="1742498660" /><input type="hidden" name="_mc4wp_form_id" value="1110879" /><input type="hidden" name="_mc4wp_form_element_id" value="mc4wp-form-2" /><div class="mc4wp-response"></div></form> </div> </aside> <h3 class="wp-block-heading">What is long-term care insurance?</h3> <p>Many people purchased long-term care insurance plans in the 1980s, 1990s or early 2000s with the understanding that the benefits would be available decades later when they might need them. The policies also help people protect their assets, so they don’t have to spend down their savings to qualify for Medicaid, which covers a majority of long-term care services in the U.S.</p> <p>Nationally, about 6 million people are covered by traditional long-term care insurance, though enrollment has been declining since 2013, analysts said. In 2000, there were more than 100 providers of these policies. In recent years, there are fewer than a dozen.</p> <p>When long-term care insurance was first introduced, it was marketed mainly to middle class and wealthy individuals, posing barriers from the beginning. But even for middle class families, maintaining these plans is becoming increasingly difficult.</p> <aside class="scaip scaip-2 "><aside id="bs_zones-151" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150549" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside></aside> <h3 class="wp-block-heading">Why are prices skyrocketing?</h3> <p>Prices are soaring due to miscalculations by insurers on how long people would live, the price of care and how many would need it. Policyholders complain of dramatic rate increases, often exceeding 50% and, for a few dozen people, as high as 174%, a Connecticut Mirror investigation has found.</p> <aside> <div class="newspack-popup-container newspack-popup hidden newspack-inline-popup newspack-lightbox-no-border " role="button" tabindex="0" style="background-color:#FFFFFF;color:#000" id="id_984222" data-segments="" data-frequency="0,0,0,month" > <div class="wp-block-newspack-blocks-homepage-articles inline-recirculation wpnbha is-grid columns-2 colgap-3 show-image image-alignleft ts-3 is-1 is-landscape inline-recirculation has-text-align-left" style="" > <style id="newspack-blocks-inline-css" type="text/css">.wp-block-newspack-blocks-homepage-articles article .entry-title{font-size: 1.2em;}.wp-block-newspack-blocks-homepage-articles .entry-meta{display: flex;flex-wrap: wrap;align-items: center;margin-top: 0.5em;}.wp-block-newspack-blocks-homepage-articles article .entry-meta{font-size: 0.8em;}.wp-block-newspack-blocks-homepage-articles article .avatar{height: 25px;width: 25px;}.wp-block-newspack-blocks-homepage-articles .post-thumbnail{margin: 0;margin-bottom: 0.25em;}.wp-block-newspack-blocks-homepage-articles .post-thumbnail img{height: auto;width: 100%;}.wp-block-newspack-blocks-homepage-articles .post-thumbnail figcaption{margin-bottom: 0.5em;}.wp-block-newspack-blocks-homepage-articles p{margin: 0.5em 0;}</style> <div data-posts data-current-post-id="1108635"> <h2 class="article-section-title"> <span>More STORIES IN Health</span> </h2> <article data-post-id="1114683" class="tag-2025-legislative-session tag-long-term-care-insurance tag-priced-out category-government category-health category-investigations type-post post-has-image" > <figure class="post-thumbnail"> <a href="https://ctmirror.org/2025/03/19/ct-long-term-care-insurance-reform-bill-committee/" rel="bookmark" tabindex="-1" aria-hidden="true"> <img decoding="async" width="1200" height="900" src="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-1200x900.jpg" class="attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image" alt="Government Oversight Committee passes bill with long-term care insurance reforms" data-hero-candidate="1" srcset="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-1200x900.jpg 1200w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-800x600.jpg 800w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-600x450.jpg 600w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-400x300.jpg 400w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-200x150.jpg 200w" sizes="(min-width: 782px) 300px, (min-width: 600px) 42.5vw, 90vw" data-attachment-id="1102514" data-permalink="https://ctmirror.org/2024_1106_sr_genworth_011/" data-orig-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-scaled.jpg" data-orig-size="2560,1707" data-comments-opened="0" data-image-meta="{"aperture":"2.8","credit":"Shahrzad Rasekh","camera":"X-T4","caption":"","created_timestamp":"1730914514","copyright":"All rights reserved","focal_length":"18.2","iso":"250","shutter_speed":"0.0005","title":"","orientation":"0"}" data-image-title="2024_1106_SR_Genworth_011" data-image-description="<p>LTCI</p> " data-image-caption="<p>Genworth Financial, which has an office in Stamford, is one of the largest providers of long-term care insurance in the U.S.</p> " data-medium-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-336x224.jpg" data-large-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2024/12/2024_1106_SR_Genworth_011-771x514.jpg" /> </a> </figure> <div class="entry-wrapper"> <h3 class="entry-title"><a href="https://ctmirror.org/2025/03/19/ct-long-term-care-insurance-reform-bill-committee/" rel="bookmark">Government Oversight Committee passes bill with long-term care insurance reforms</a></h3> </div> </article> <article data-post-id="1114635" class="tag-2025-legislative-session category-health type-post post-has-image" > <figure class="post-thumbnail"> <a href="https://ctmirror.org/2025/03/18/ct-bill-would-guarantee-reproductive-care-to-minors-without-parental-consent/" rel="bookmark" tabindex="-1" aria-hidden="true"> <img decoding="async" width="400" height="300" src="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/03/public-health-committee-400x300.jpg" class="attachment-newspack-article-block-landscape-small size-newspack-article-block-landscape-small wp-post-image" alt="CT bill would guarantee reproductive care to minors without parental consent" data-hero-candidate="1" srcset="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/03/public-health-committee-400x300.jpg 400w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/03/public-health-committee-200x150.jpg 200w" sizes="(min-width: 782px) 300px, (min-width: 600px) 42.5vw, 90vw" data-attachment-id="1114637" data-permalink="https://ctmirror.org/public-health-committee/" data-orig-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/03/public-health-committee.jpg" data-orig-size="589,353" data-comments-opened="0" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"}" data-image-title="public-health-committee" data-image-description="" data-image-caption="<p>Members of Connecticut’s Public Health Committee listen to public hearing testimony regarding access to reproductive care for minors. </p> " data-medium-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/03/public-health-committee-336x201.jpg" data-large-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/03/public-health-committee.jpg" /> </a> </figure> <div class="entry-wrapper"> <h3 class="entry-title"><a href="https://ctmirror.org/2025/03/18/ct-bill-would-guarantee-reproductive-care-to-minors-without-parental-consent/" rel="bookmark">CT bill would guarantee reproductive care to minors without parental consent</a></h3> </div> </article> </div> </div> </div> </aside> <p>A combination of lower-than-expected interest rates and more people than anticipated holding onto their plans fueled problems, along with policyholders living longer and needing care for extended periods of time.</p> <p>“The original price for long-term care was not based upon any type of insurance data. They were general population studies and nursing home longitudinal studies,” Paul Lombardo, director of the Connecticut insurance department’s life and health division, said at a public forum in 2020. “Unfortunately, a perfect storm was brewing with long-term care.”</p> <p>Insurers had not counted on so many consumers maintaining their coverage. They assumed about 5% of consumers would drop their policies or default on payments, Lombardo said, but the reality has been about one half of 1% per year.</p> <aside class="scaip scaip-3 "><aside id="bs_zones-160" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150546" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside><aside id="bs_zones-161" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150548" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside></aside> <p>All of those issues resulted in the push for annual premium increases.</p> <figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="771" height="964" data-attachment-id="1108776" data-permalink="https://ctmirror.org/2025/02/03/ct-long-term-care-insurance-rates-explainer/ltci-infographic-1/" data-orig-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1.png" data-orig-size="1080,1350" data-comments-opened="0" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="LTCI infographic (1)" data-image-description="" data-image-caption="" data-medium-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-336x420.png" data-large-file="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-771x964.png" src="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-771x964.png" alt="" class="wp-image-1108776" srcset="https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-771x964.png 771w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-336x420.png 336w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-768x960.png 768w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-819x1024.png 819w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1-400x500.png 400w, https://ctmirror-images.s3.amazonaws.com/wp-content/uploads/2025/01/LTCI-infographic-1.png 1080w" sizes="auto, (max-width: 771px) 100vw, 771px" /></figure> <h3 class="wp-block-heading">What options do policy-holders have to keep down their rates?</h3> <p>The options for struggling plan holders are bleak. Dropping the coverage could mean forfeiting a portion or all of the funds paid over the years. Many policies allow people to preserve some of their accrued benefits, but others don’t.</p> <p>To curb swelling premiums, consumers can reduce their benefits, but even with fewer benefits, many are still dealing with price hikes.</p> <p>In Connecticut, the Office of the Health Care Advocate and a special unit in the attorney general’s office help protect consumers who purchase health insurance. But there currently are no similar resources for long-term care insurance policyholders.</p> <aside class="scaip scaip-4 "><aside id="bs_zones-156" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150550" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside></aside> <h3 class="wp-block-heading">What have lawmakers tried to do to curb rising costs?</h3> <p>The issue has stymied lawmakers, who in the last six years introduced more than 50 bills committed to helping consumers, encouraging new enrollees in long-term care insurance plans and increasing transparency around rate hikes. Only a handful have passed, with limited measures of relief.</p> <p>Legislators have tried to create tax credits for people with policies, suggested capping or freezing annual rate hikes, recommended insurers notify consumers of the risk of premium increases before they purchase plans, and proposed holding public hearings so people can weigh in on price hikes — all to no avail.</p> <p>A federal solution has also been elusive.</p> <p>Congress passed the Community Living Assistance Services and Supports (CLASS) Act in 2010 to try to help people pay for elder care. The bill would have established a voluntary and public long-term care insurance program, but it was repealed in 2013 after the initiative was deemed too costly. Subsequent efforts have stalled.</p> <aside class="scaip scaip-5 "><aside id="bs_zones-164" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150551" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside><aside id="bs_zones-163" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150552" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside><aside id="bs_zones-162" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150553" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside></aside> <p>Meanwhile, some states are filling the void by launching their own programs.</p> <p>Washington state passed a bill in 2019 implementing a 0.58% payroll tax to fund a long-term care insurance pool, and at least 18 other states are <a href="https://www.ltcnews.com/articles/multiple-states-considering-implementing-long-term-care-tax" target="_blank" rel="noreferrer noopener">considering</a> a similar payroll <a href="https://www.ltcinsuranceconsultants.com/news/taxes/long-term-care-tax/#:~:text=States%20Considering%20a%20Long%2DTerm%20Care%20Tax&text=Here's%20a%20partial%20list%20of,North%20Carolina%2C%20Oregon%20and%20Utah" target="_blank" rel="noreferrer noopener">tax</a>. Legislators in Connecticut say they are open to the idea.</p> <h3 class="wp-block-heading">What happens now?</h3> <p>Key lawmakers this month said they are considering a raft of legislation that would provide relief to policyholders and boost transparency around the state’s rate review process.</p> <p>At least 12 bills have already been introduced this session to address long-term care insurance. </p> <aside class="scaip scaip-6 "><aside id="bs_zones-165" class="bs_zones clearfix"><div><broadstreet-zone place="" zone-id="150554" keywords="not_home_page,not_landing_page,is_article_page,explain-archive,audience,health,news,ct-long-term-care-insurance-rates-explainer,post" soft-keywords="true" zone-alias=""></broadstreet-zone></div></aside></aside> <p>The concepts include <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=5328" target="_blank" rel="noreferrer noopener">a cap</a> on annual rate increases that exceed 4%, a <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=5328" target="_blank" rel="noreferrer noopener">requirement</a> that any rate hike of 20% or more be phased in over five years (instead of three, as current law states), a <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=5280" target="_blank" rel="noreferrer noopener">mandate</a> that carriers offer a full refund for premiums paid to any policyholder who requests it (provided the plan has existed for at least five years and the consumer has not submitted any claims), <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=452" target="_blank" rel="noreferrer noopener">requirements</a> for public <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=187" target="_blank" rel="noreferrer noopener">hearings</a> on rate hike requests, <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=116" target="_blank" rel="noreferrer noopener">tax</a> <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=5439" target="_blank" rel="noreferrer noopener">credits</a> and <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=5030" target="_blank" rel="noreferrer noopener">deductions</a> for <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=5144" target="_blank" rel="noreferrer noopener">policyholders</a>, a four-year <a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=452" target="_blank" rel="noreferrer noopener">moratorium</a> on rate hikes, and an edict that insurers give people “<a href="https://cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=187" target="_blank" rel="noreferrer noopener">explicit notice</a>” of the “high risk” of premium increases before they purchase coverage, among other proposals.</p> <aside> <div class="newspack-popup-container newspack-popup hidden newspack-inline-popup " role="button" tabindex="0" style="background-color:#EEEEEE;color:#000" id="id_1082438" data-segments="" data-frequency="0,0,0,month" > <h2 class="wp-block-heading" id="h-before-you-leave">Before you leave... </h2> <p>As a nonprofit newsroom, we believe the healthiest way to sustain and grow CT Mirror is through the support of people who use and value it — <strong>loyal, curious readers like you</strong>.</p> <div class="tiered wp-block-newspack-blocks-donate wpbnbd wpbnbd--frequency-based wpbnbd--platform-nrh is-style-modern wpbnbd-frequencies--3 " id="67dc6b647a136" > <form> <input name="newspack_popup_id" type="hidden" 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