Long-term care insurance (LTCI) carriers really do pay LTCI claims.
The American Association for Long-Term Care Insurance (AALTCI), Westlake Village, Calif., has published long term care insurance benefit statistics in a report based on its latest industry survey.
The 10 carriers that participated in the survey said they paid $6.6 billion to a total of about U.S. 200,000 policyholders in 2011.
The customer with the biggest open claim is a woman who bought a policy when she was 43, went on claim 3 years later, and at last report, had been receiving benefits for more than 14 years. She paid $881 in premiums per year for 3 years before she stopped paying premiums because she was receiving policy benefits.
The man with the second largest known open claim paid annual premiums of $3,374 for 3 years, went on claim, and now has received $1.2 million in benefits over 6 years, AALTCI says.
AALTCI found that the 5 most common reasons for a policyholder to file a long term care insurance claim are Alzheimer's disease, stroke, arthritis, circulatory issues and injury.
About 8 million U.S. residents now have private LTCI coverage.
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