Top 10 Most Important Features You Should Look For In An LTCI Policy

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ACSIA Long Term Care, Inc. survey reveals the most important features a long-term care insurance policy should have.

A recent survey on long term care insurance agents found the top ten features they recommend a policy should have. 76% of respondents, however, answered that the ratings and reputation of the insurance company is the most important.

ACSIA Long Term Care Inc. conducted the survey to gain insights from experts on which features of an LTC policy are most relevant today. As every long-term care insurance policy is unique for its holder, it’s necessary for buyers to be aware of how they can customize their policy to better suit their specific needs.

Listed below are the top ten most important features to look for in an LTC policy, in order of percentage of respondents who answered it:
1.    Company reputation (76%)
2.    Inflation protection (70%)
3.    Home health care benefit and options (62%)
4.    Shared care rider (45%)
5.    Monthly benefit limit instead of daily (41%)
6.    Care coordinator services (33%)
7.    Cash benefit/option (31%)
8.    Zero day elimination period for home care (30%)
9.    Pool of money for maximized coverage (28%)
10.    Comprehensive coverage for all levels of care (25%)

Company reputation includes the carrier’s ratings, claims paying record, ratings increase history, underwriting guidelines, longevity and financial strength. It ranked the highest since much depends on the reliability and stability of the insurance policy provider.

Other features answered in the survey include spousal discount, waiver of premium, and flexible payment options.

For detailed explanations of each LTC policy feature, please contact your long term care insurance agent or visit

About ACSIA®    
Founded in 1958, ACSIA® is a leading national distributor of Long Term Care insurance. ACSIA® is a member of the LTC Global group of companies and headquartered in Fort Myers, Florida. For more information about ACSIA®, visit

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Debra Tancredi
LTC Global
+1 (800) 362-8837 7203
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