1
MO
Mutual of Omaha
Traditional long-term care coverage
- Accepts applicants up to age 79
- Benefit periods of 2 to 5 years
- Discounts for couples who apply together
Updated October 2026 · daily benefit · elimination period · inflation rider
Compare the Best Long-Term Care Insurance (2026)
Long-term care can be expensive. Compare traditional and hybrid policies that help pay for in-home care, assisted living and nursing homes.
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Providers
Featured long-term care insurance providers
2
NY
New York Life
Hybrid life insurance with long-term care benefits
- Combines life insurance with long-term care benefits
- Benefit periods of up to 7 years
- A++ financial strength rating from AM Best
3
N
Nationwide
Linked-benefit life and long-term care policies
- Linked-benefit policies combining life and LTC
- Unused LTC funds go to beneficiaries
- Higher monthly benefit options
Our top picks, explained
Best for older applicants
MO
Mutual of Omaha
Accepts applicants older than many competitors.
Pros and cons
- High maximum issue age
- Couples discounts
- Traditional premiums can rise over time
Best hybrid life + LTC
NY
New York Life
A hybrid policy pays a death benefit if long-term care is never needed.
Pros and cons
- Top financial strength rating
- Death benefit if care isn't needed
- Higher upfront cost than traditional coverage
Best for linked benefits
N
Nationwide
Its linked-benefit design keeps value for your family even if care isn't needed.
Pros and cons
- Guaranteed death benefit
- Flexible benefit amounts
- Requires a larger premium commitment
Side-by-side comparison
MO | NY | N | |
|---|---|---|---|
| Policy type | Traditional | Hybrid life/LTC | Linked benefit |
| Issue ages | Up to 79 | Up to 75 | Up to 75 |
| AM Best | A+ | A++ | A+ |
| Visit site | Visit site | Visit site |
Head to headMutual of Omaha vs New York LifeMutual of Omaha vs NationwideNew York Life vs Nationwide
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any long-term care insurance provider, whether or not it appears on The Top 10 Experts.
Benefit
Daily or monthly benefit
The maximum the policy pays per day or month of care. Compare it with care costs where you live.
Elimination
Elimination period
The waiting period before benefits start, often 30 to 90 days. Longer periods lower premiums.
Inflation
Inflation protection
Care costs rise over time. An inflation rider helps the benefit keep pace.
Hybrid
Traditional vs. hybrid
Hybrid life/LTC policies pay a death benefit if care is never needed, but cost more upfront.
Common questions
When should I buy long-term care insurance?
Many people look in their 50s or early 60s, when premiums are lower and health qualification is easier.
Does Medicare cover long-term care?
Medicare covers limited skilled nursing care, not ongoing custodial care.
Can premiums go up?
On traditional policies, yes, insurers can raise rates for a whole class of policyholders with state approval.
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