How Long Do You Pay Premiums For Long Term Care Insurance? 
Premiums for long term care insurance are paid until the insurance is needed . There is no such thing as a `` paid up '' policy with traditional long term care -LRB- LTC -RRB- insurance . However , if someone purchases a permanent life insurance policy that includes chronic illness benefits , or has a rider that provides long term care type benefits , then one might be able to pay premiums ahead so that the policy is paid up and ready to use when needed . 