LTCR Pacific

06/01/2026

When one spouse needs long-term care, the financial pressure on the other is often severe and immediate. The cost of a nursing home or assisted living facility can deplete decades of shared savings in a matter of years -- leaving the healthy spouse with far fewer resources than either of them planned for. Long-term care insurance addresses this directly, and LTCR Pacific's agents can walk you through how a policy would work for your specific situation. Call (800) 499-0067 to get started.

05/30/2026

Being independent doesn't mean we have access to just one carrier. It means we can shop the market, compare policies across multiple providers, and find the combination of rate and coverage that actually fits your needs. That's a significant advantage, and it's one of the reasons LTCR Pacific has helped over half a million people plan for their long-term care needs since 1997.

Our Services Long Term Care Insurance, Medicare, Life Insurance, and More with the Agents of LTCR Pacific LTCR Pacific is one of the largest providers of long term care insurance in the United States, with a team that specializes in providing affordable, comprehensive coverage at great rates. But we...

05/27/2026

Most people assume Medicare will cover nursing home care if they ever need it. It will not -- at least not in the way most people expect. Medicare covers short-term skilled nursing care under very specific conditions, and it stops paying after 100 days regardless of whether you still need care. What happens after that is a question most people have not answered.

Receive long term care insurance from the leading nationwide provider of LTCI, with discounts for many colleges and orgs.

05/24/2026

Long-term care isn't just for the elderly. A serious accident, a chronic illness, or a sudden disability can require long-term care at any age. Planning ahead, before you need it, is the only way to make sure you have real choices about the type and quality of care you receive.

05/17/2026

Most traditional long-term care insurance policies include a waiver of premium clause, meaning once you start receiving qualified care, you can stop making premium payments. It's one of the most important parts of your policy, and one of the most overlooked. Make sure you know whether yours has it.

Statistically, at some point in a person’s life, they’ll need some form of long term care. While we hope that day is far away, those that have long term care insurance likely will, eventually, need to access it – often at a time in their lives when they’re not working and, potentially unable...

05/11/2026

You don't have to figure this out alone. LTCR Pacific has a team with over 200 combined years of experience in long-term care insurance. We are not going to push you toward a policy that doesn't fit your situation. Our job is to understand your needs and find coverage that actually makes sense for you.

05/04/2026

Here's something most policyholders don't think about until it's too late: inflation doesn't just affect groceries and gas. It affects the cost of long-term care too. A policy that covers your needs today might cover significantly less in 20 years. Ask your agent about inflation protection riders before you sign.

Why Your Long-Term Care Insurance Benefits Might Shrink Over Time (And How to Prevent It) Long term care insurance is critically important, and – as we wrote about recently – the recent Medicaid cuts are yet another example of how important LTC Insurance is. Long term care insurance is one of th...

04/27/2026

If you graduated from a university or belong to a professional organization, you may qualify for a discount on your long-term care insurance premium. LTCR Pacific has partnerships with over 600 colleges, universities, and affinity groups across the country. Give us a call and find out if yours is one of them. (800) 499-0067

04/21/2026

The single most important factor in determining your long-term care insurance premium isn't your health. It isn't your location. It's your age. The earlier you get coverage, the less it costs. If you've been putting this off, that delay is costing you money.

Insurance can feel complicated at times, as you try to determine the total amount of your policy, how fair your premiums are, and whether or not the details of the policy are advantageous to your long term financial status. Within every insurance policy are pages upon pages of details that outline e...

04/14/2026

Most people assume Medicare will cover their long-term care needs. It won't. Medicare covers short-term skilled nursing care after a hospital stay, not the extended, ongoing care that most of us will eventually need. Long-term care insurance exists specifically to fill that gap.

Receive long term care insurance from the leading nationwide provider of LTCI, with discounts for many colleges and orgs.