Long-Term Care Insurance Monthly Premiums

(rates guaranteed not to increase before 2008)

Daily Benefit Amount
*For nursing facility, assisted living facility, bed reservation and respite care
**For home care, adult day care and hospice

  Daily Benefit Amount $100*/$60** Daily Benefit Amount $150*/$90** Daily Benefit Amount $200*/$120**
Benefit
Period		 3 Years 5 Years 3 Years 5 Years 3 Years 5 Years
Inflation Protection None Compound None Compound None Compound None Compound None Compound None Compound
Issue Age                        
18 2.36 18.02 3.13 25.41 3.55 27.03 4.69 38.11 4.73 36.04 6.25 50.82
19 2.45 18.57 3.24 26.18 3.67 27.86 4.86 39.27 4.90 37.14 6.48 52.35
20 2.54 19.16 3.37 27.00 3.81 28.74 5.05 40.51 5.08 38.33 6.74 54.01
21 2.65 19.80 3.51 27.89 3.97 29.69 5.27 41.83 5.30 39.59 7.03 55.78
22 2.77 20.47 3.67 28.83 4.15 30.70 5.51 43.25 5.53 40.94 7.35 57.66
23 2.90 21.18 3.85 29.83 4.34 31.77 5.78 44.75 5.79 42.36 7.71 59.66
24 3.04 21.93 4.05 30.89 4.56 32.90 6.08 46.33 6.08 43.87 8.10 61.78
25 3.20 22.73 4.27 32.01 4.80 34.09 6.40 48.01 6.40 45.46 8.54 64.01
26 3.37 23.56 4.51 33.18 5.06 35.35 6.77 49.77 6.75 47.13 9.02 66.36
27 3.57 24.44 4.77 34.42 5.35 36.67 7.16 51.63 7.13 48.89 9.55 68.84
28 3.78 25.37 5.06 35.72 5.66 38.05 7.60 53.58 7.55 50.73 10.13 71.44
29 4.01 26.33 5.38 37.08 6.01 39.50 8.07 55.62 8.01 52.66 10.76 74.16
30 4.26 27.35 5.72 38.51 6.38 41.02 8.59 57.77 8.51 54.69 11.45 77.02
31 4.53 28.41 6.10 40.01 6.80 42.61 9.15 60.01 9.06 56.82 12.20 80.01
32 4.83 29.52 6.51 41.57 7.24 44.28 9.77 62.36 9.66 59.04 13.02 83.15
33 5.15 30.68 6.96 43.21 7.73 46.02 10.44 64.82 10.31 61.37 13.92 86.43
34 5.51 31.90 7.45 44.93 8.26 47.85 11.17 67.40 11.02 63.80 14.89 89.87
35 5.90 33.18 7.98 46.73 8.84 49.77 11.97 70.10 11.79 66.36 15.96 93.47
36 6.32 34.52 8.56 48.62 9.47 51.77 12.84 72.93 12.63 69.03 17.11 97.24
37 6.77 35.92 9.19 50.59 10.16 53.87 13.78 75.89 13.54 71.83 18.37 101.19
38 7.27 37.38 9.87 52.66 10.90 56.07 14.80 78.98 14.53 74.76 19.73 105.31
39 7.80 38.91 10.60 54.81 11.70 58.37 15.89 82.21 15.60 77.82 21.19 109.62
40 8.37 40.51 11.37 57.04 12.56 60.76 17.06 85.57 16.75 81.01 22.75 114.09
41 9.02 42.21 12.26 59.44 13.53 63.32 18.39 89.16 18.04 84.42 24.52 118.88
42 9.72 43.99 13.21 61.95 14.58 65.99 19.82 92.93 19.44 87.99 26.43 123.90
43 10.47 45.86 14.25 64.59 15.71 68.79 21.37 96.88 20.94 91.72 28.49 129.17
44 11.27 47.80 15.35 67.34 16.90 71.71 23.03 101.01 22.54 95.61 30.71 134.68
45 12.11 49.81 16.53 70.22 18.16 74.72 24.79 105.32 24.21 99.63 33.06 140.43
46 12.93 51.83 17.66 73.05 19.39 77.74 26.48 109.57 25.86 103.65 35.31 146.09
47 13.85 53.98 18.92 76.08 20.78 80.97 28.38 114.12 27.71 107.96 37.84 152.16
48 14.86 56.26 20.30 79.28 22.29 84.38 30.45 118.92 29.72 112.51 40.60 158.56
49 15.96 58.66 21.81 82.67 23.94 87.99 32.71 124.00 31.92 117.32 43.62 165.33
50 17.16 61.21 23.46 86.25 25.74 91.81 35.19 129.38 34.32 122.42 46.91 172.51
51 18.48 63.91 25.26 90.06 27.72 95.87 37.89 135.09 36.95 127.82 50.53 180.11
52 19.92 66.78 27.25 94.10 29.89 100.17 40.87 141.15 39.85 133.57 54.49 188.20
53 21.52 69.85 29.44 98.42 32.28 104.77 44.15 147.63 43.04 139.69 58.87 196.83
54 23.24 73.07 31.80 102.96 34.86 109.61 47.69 154.44 46.48 146.14 63.59 205.92
55 25.14 76.52 34.40 107.82 37.72 114.78 51.60 161.73 50.29 153.04 68.80 215.64
56 27.23 80.19 37.24 112.97 40.84 120.28 55.87 169.45 54.45 160.37 74.49 225.94
57 29.49 84.07 40.34 118.43 44.24 126.11 60.50 177.64 58.98 168.15 80.67 236.86
58 31.95 88.20 43.70 124.23 47.93 132.30 65.55 186.34 63.91 176.40 87.39 248.45
59 34.63 92.58 47.36 130.39 51.95 138.88 71.03 195.58 69.27 185.17 94.71 260.78
60 37.65 97.59 51.47 137.43 56.47 146.38 77.21 206.14 75.29 195.18 102.94 274.85
61 40.76 102.48 55.71 144.28 61.15 153.73 83.56 216.43 81.53 204.97 111.42 288.57
62 44.14 107.67 60.30 151.55 66.21 161.51 90.44 227.33 88.28 215.35 120.59 303.11
63 47.79 113.17 65.25 159.25 71.68 169.76 97.88 238.87 95.57 226.34 130.50 318.50
64 51.71 118.97 70.58 167.36 77.56 178.46 105.86 251.04 103.42 237.95 141.15 334.72
65 56.51 126.40 77.05 177.66 84.76 189.60 115.58 266.50 113.01 252.80 154.10 355.33
66 61.26 133.13 83.51 187.09 91.88 199.69 125.26 280.63 122.51 266.25 167.02 374.17
67 66.37 140.22 90.46 197.03 99.55 210.34 135.68 295.55 132.74 280.45 180.91 394.06
68 71.86 147.70 97.91 207.50 107.79 221.55 146.87 311.25 143.72 295.40 195.83 415.00
69 77.74 155.56 105.91 218.51 116.61 233.34 158.86 327.77 155.49 311.12 211.81 437.02
70 84.11 164.03 114.58 230.41 126.16 246.05 171.87 345.61 168.22 328.07 229.16 460.82
71 91.31 173.26 124.41 243.41 136.96 259.89 186.62 365.12 182.61 346.52 248.83 486.82
72 99.04 182.99 134.98 257.14 148.55 274.48 202.48 385.72 198.07 365.98 269.97 514.29
73 107.29 193.21 146.28 271.58 160.93 289.82 219.41 407.37 214.58 386.42 292.55 543.16
74 116.04 203.89 158.24 286.65 174.05 305.83 237.37 429.98 232.07 407.78 316.49 573.31
75 126.40 216.14 172.01 303.49 189.60 324.20 258.02 455.23 252.81 432.27 344.03 606.97
76 137.92 229.84 187.82 322.95 206.88 344.76 281.73 484.43 275.84 459.69 375.64 645.90
77 150.42 244.57 204.98 343.89 225.63 366.86 307.48 515.83 300.84 489.14 409.97 687.78
78 164.01 260.45 223.66 366.49 246.02 390.68 335.49 549.73 328.03 520.90 447.32 732.98
79 178.85 277.66 244.07 391.03 268.28 416.49 366.11 586.54 357.71 555.32 488.15 782.05
80 195.22 296.71 266.65 418.27 292.83 445.06 399.97 627.40 390.44 593.41 533.30 836.53
81 212.70 316.71 290.75 446.90 319.05 475.07 436.12 670.34 425.40 633.43 581.49 893.79
82 231.47 338.08 316.64 477.50 347.21 507.12 474.96 716.25 462.95 676.16 633.28 955.00
83 251.48 360.77 344.24 510.03 377.21 541.16 516.36 765.04 502.95 721.54 688.48 1020.06
84 272.84 384.93 373.71 544.67 409.26 577.40 560.57 817.01 545.68 769.87 747.43 1089.34
85 295.44 410.48 404.86 581.26 443.16 615.72 607.29 871.88 590.88 820.96 809.72 1162.51
86 311.95 427.03 427.10 604.17 467.93 640.55 640.65 906.25 623.90 854.07 854.20 1208.33
87 327.15 441.69 447.24 623.91 490.73 662.53 670.87 935.87 654.31 883.37 894.49 1247.83
88 340.16 453.47 463.94 638.95 510.24 680.21 695.91 958.42 680.32 906.94 927.88 1277.90
89 353.03 464.79 480.31 653.14 529.55 697.18 720.46 979.71 706.06 929.58 960.62 1306.28
90 365.57 475.42 496.06 666.17 548.35 713.13 744.08 999.25 731.13 950.84 992.11 1332.33
91 377.43 485.00 510.70 677.49 566.14 727.51 766.06 1016.24 754.86 970.01 1021.41 1354.98
92 388.16 493.06 523.60 686.41 582.24 739.59 785.39 1029.61 776.32 986.13 1047.19 1372.82
93 396.99 498.96 533.67 692.00 595.49 748.44 800.51 1038.00 793.99 997.92 1067.35 1384.00
94 406.36 505.60 544.35 698.52 609.54 758.40 816.53 1047.78 812.72 1011.20 1088.71 1397.04
95+ 437.84 531.12 580.06 724.86 656.76 796.68 870.10 1087.29 875.68 1062.24 1160.13 1449.72