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All too many times overwhelmed caregivers are physically and emotionally depleted and need to take time to rest and care for themselves. Believing in a holistic approach to caregiver stress and a strong commitment to helping our members find the right solutions, we created this blog to help you connect with others who, like you, may be facing the same eldercare issues and challenges. Feel free to comment, ask questions, and submit articles. Please forward the blog link to your family and friends. They'll be glad you did.

Warm regards,

Patricia Grace
founder & CEO
Aging with Grace

Wednesday, April 25, 2012

Can the LTCi industry survive?

Could private long-term care insurance policies stop being sold? That's a distinct possibility, according to an article that recently ran in Investment News. The author notes that many of the companies that once offered the product no longer do so. In the past three years alone, Unum Group, Guardian, MetLife and Allianz have left the business.

 One challenge is that many companies did not know how much they would have to pay out once the policies were needed. Add in the low fixed-income returns insurance companies are making on the premiums, and the challenge becomes clear. According to some experts, insurers will have to revise coverage and increase premiums if they are to stay in this sector.


  1. So- I do have a Metlife LTC program and I am under 60 years old. I pay out more than $400.00 per month for this policy. If they are going to abandon the business I am thinking I should get out now and stop paying those steep premiums and just put that money into my own bank account. what do you think?

    1. I believe your question is best answered by a financial planner.



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