Long-Term Care Planning Resources

Long-term care planning prepares you for future care needs. Explore how it works, eligibility requirements, tax-free exchanges, and more with our expert resources. While it can protect assets, we also address challenges like premium costs and health qualifying for coverage. If it makes sense, one of our licensed professionals can help you create a tailored strategy that fits your goals and budget.

Why Trust ACACIA Insurance

✔ Over 30 years specializing in long-term care planning
✔ Options from multiple highly rated insurance companies
✔ Complimentary guidance from a professional long-term care advisor
✔ Endorsed by the American Association for Long-Term Care Insurance

At ACACIA Insurance, we’ve specialized exclusively in long-term care planning since 1993, building our reputation on decades of focused expertise in this complex field. Our independent licensed professionals provide unbiased recommendations, comparing policies from multiple highly rated insurance carriers. Experience the confidence that comes from working with a specialized long-term care insurance advisor dedicated to your needs.

Understanding Long-Term Care: What It Is & Who Needs It

Learn what long-term care is, who needs it, and how long care typically lasts.

What Is Long-Term Care?

Can You Qualify for LTC? Find Out Before You Apply

Use our quick pre-screen form to see if health or age issues could affect your LTC eligibility.

Check LTC Elibibility Now >

LTC Insurance by State: 2025 Plans & Coverage Options

Compare long-term care insurance providers, policy types, and premium estimates by state.

Explore LTC Insurance by State >

Cost of Long-Term Care: State-by-State Overview

View 2025 costs for nursing homes, assisted living, and home care services in your state.

See Care Costs in Your State >

How LTC Planning Works: Steps from Start to Coverage

See how an LTC professional helps design your plan, prequalify, and apply for coverage.

See LTC Planning Process >

Lower LTC Insurance Costs: Tips to Save on Premiums

Discover strategies to reduce LTC insurance premiums while getting needed coverage.

How to Lower LTC Premiums >

Tax-Free 1035 Exchange for LTC Insurance Coverage

Use an existing life or annuity policy to fund long-term care insurance with no tax penalty.

1035 Exchange for LTC Plans >

Is Long-Term Care Insurance Tax Deductible in 2025?

Learn when LTC premiums qualify as a tax deduction under current IRS rules.

Is LTC Insurance Tax Deductible?

Long-Term Care Insurance Frequently Asked Questions

Explore answers to the most common questions about LTC coverage, cost, and eligibility.

Get Answers About LTC Insurance >

Work With A Long-Term Care Specialist

We’ll guide you through the process of choosing the best plan and company.
Because premiums and health underwriting criteria can vary substantially between companies, we represent all major insurance carriers.

Get Started >

What Our Customers Say

Marcia is among the best insurance brokers I've ever encountered. She's intuitive, understanding, … More conscientious, and always concerned first for the client. She found the best policy for me, assisted me through the application process, smoothed out the inevitable wrinkles, and always followed up like the new friend she is. I recommend her highly.
Dennis J. ★★★★★
I have had the good fortune to work with Rhona Unsell in getting my LTC policy. Ms. Unsell is a true … More professional – her expertise, her ability to listen and to provide accurate information – all were so valuable to me. In making important life decisions, qualities like trust, knowledge, and the understanding of how to listen to a client’s needs are critical. Rhona has all these qualities and more. I strongly recommend Ms. Unsell to anyone looking for excellent ongoing service and a caring attitude.
Caitlin W. ★★★★★
I worked with Mike Berger on obtaining long term care insurance, and I highly recommend him. He was … More thorough, responsive and very professional. I live in Washington State, and because of our new state law he was SO busy during the time I worked with him, but he was still always quick to respond. He was also willing to go the extra mile when needed.
Rachel W. ★★★★★
My wife and I had a teleconference with Marcia, a Long Term Care Planning Specialist with Acacia Insurance … More Services.Marcia was very knowledgeable, personable, and entertaining during our 1.5 hour meeting. To be honest, the meeting did not seem that long at all as Marcia kept the ball rolling by going over various options for LTC.We feel like we lucked out getting her as our contact.Well done, Marcia!
Scott S. ★★★★★
If you are shopping for long-term care insurance, then I strongly recommend that you contact Craig Matesky … More at ACACIA Insurance Services. Craig helped me get the best policy for my needs and budget. He is knowledgeable, friendly, and was always available to address my concerns. Thanks Craig!
Tom S. ★★★★★
Our decision to buy long term care insurance was a smart one. My husband received home care benefits … More for over three years before he passed away. Now I've been getting home health care paid by the policy for almost two years. It has greatly reduced the burden on our family and our savings. We are so grateful for the ACACIA Insurance agent that sold us our long term care policies and assisted us with the claims process.
Emily V. ★★★★★