What Are Rates For Long Term Care Insurance? 
Long term care insurance -LRB- LTC -RRB- indemnifies or reimburses assisted living and/or nursing home care . Your gender , age , smoking status , health history and current medical condition factor into the cost of long term care insurance . A male age 60 non smoker in good health may pay $ 300 a month for an LTC policy with an inflation rider . 