Even in the face of premium increases, long-term care insurance can offer value to those who made the decision to purchase such insurance. We see this every day when we pay out claims to our customers. There are a number of factors that affect the possibility that you will need care such as age, gender, disability, health status and living arrangements. For details go to: LongTermCare.gov. As you evaluate what is best for you, we encourage you to review the current and projected cost of care in your area. For current cost of care information specific to your area, please visit our Cost of Care website.