Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Feb 25, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • A long-term care rider will pay out a set portion of your life insurance death benefit to help pay for your care if you become too ill to take care of yourself
  • The death benefit of your life insurance policy will be reduced by the amount paid out to assist in your long-term care
  • To access your long-term rider benefits, you must be unable to perform at least 2 of the 6 daily activities of daily living

A long-term care rider on your life insurance policy is designed to help you cover the costs of daily long-term care should you become too ill to take care of yourself. Most of the best life insurance companies offer these riders on their insurance policies.

However, it may make more sense for you to purchase separate long-term care insurance depending on your situation. To access your long-term care rider benefits, you must be unable to perform two out of the six listed daily activities.

Long-term care riders are designed to help pay for assisted living services and nursing homes, but the amount of money you receive may be less than your total death benefit. Plus, the benefits paid out by your insurance rider may not be sufficient to completely cover your long-term care.

If you’re ready to compare life insurance quotes with long-term care riders, enter your ZIP code above to see affordable life insurance rates with long-term care riders in your area.

How does a long-term care rider work?

A long-term care rider pays out benefits from your whole life insurance policy’s death benefits for your long-term care if you are unable to perform at least two of these six daily activities:

  • using the toilet
  • maintaining bowel and bladder continence
  • walking or getting from one place to another
  • eating
  • bathing
  • getting dressed

If you can perform more than four of these daily activities, you won’t be able to access your long-term care rider benefits.

This rider is designed to help pay for long-term care, but insurance companies may cap the amount of money you can use for your long-term care rider at 80 percent of your death benefit. This may not be enough money to completely cover your long-term care costs.

Enter your ZIP code below to compare cheap life insurance rates.

 Secured with SHA-256 Encryption

Should I get long-term care insurance instead of adding a rider to my existing policy?

That is up to you. Long-term care insurance is expensive, but so is a long-term care insurance rider.

Average Annual Rates for Long-Term Care Insurance by Age and Gender
Insured PersonAverage Annual Rates
Single Male, Age 55$1,700
Single Female. Age 55$2,675
Couple, Both Age 55 (Combined)$3,050
Single Male, Excellent Health, Age 65$1,400
Single Male, Some Health Issues, Age 65$2,100
Single Female, Excellent Health, Age 65$2,100
Single Female, Some Health Issues, Age 65$3,100
Get Your Rates Quote Now
Compare RatesStart Now →

In fact, long-term care riders are the most expensive insurance riders added to policies since they are priced as an individual product. Typically, people pay anywhere from 600 to 1000 dollars extra for a long-term care rider.

The long-term care insurance pros and cons need to be weighed before choosing this type of insurance over adding a rider to your life insurance policy.

Speak with an insurance advisor to best gauge your situation and needs. You can also take a detailed look at a real-world, long-term care rider at the S.E.C. to get a feel for what this rider is.

If you’re looking for affordable life insurance with a long-term care rider, enter your ZIP code below to compare life insurance rates with a long-term care rider.