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cheap ansaid On average, a 60-year-old couple who buy a long-term care policy now — assuming they qualify, given tightening medical underwriting — will pay more than $3,700 a year in premiums, according to the American Association for Long-Term Care Insurance. That’s for a policy with $162,000 each in “current” benefits, which will grow to $329,000 each in benefits when they turn 85. The catch is that those premiums must be paid over a long period of time. Most policy holders file initial claims after age 80, so that means 20 years or more of paying for a service that you may never need. That’s about $74,000 in premiums — if your rates don’t go up.