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A long-term care rider is an add-on to a life insurance policy. It can offer added financial protection if you’re still alive but no longer able to take care of yourself. While Aflac doesn’t offer a long-term care rider, we do have a variety of other riders that can help you customize your coverage. Let’s dive deeper into life insurance with a long-term care rider so you can decide if it makes sense for you.
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A long-term care rider is a life insurance rider that provides coverage if you’re unable to independently perform two or more of the six activities of daily living, which include eating, bathing, getting dressed, walking, and maintaining continence.1 The payout from a long-term care rider can be taken from your policy’s death benefit to use for expenses, including medical care costs that come with aging.2
Here’s what you can expect from a long-term care rider:
To qualify for a long-term care rider, you must be chronically ill and unable to perform at least two of the six activities of daily living. In addition, you may need a care plan in place with proper documentation.
Many life insurance companies have a waiting period that might be anywhere from 20 to 100 days.3 For example, if the waiting period is 90 days, it means you can’t access long-term care rider benefits before the 90 days are up. You may receive coverage at any time after this period.
If you’re eligible for a long-term care rider, your life insurance company may distribute the payout, which will likely be a percentage of your death benefit every month. While each rider is unique, monthly allowed amounts might be between 1% to 3% of the death benefit.2
A long-term care rider is designed to help pay for expenses that a traditional health insurance policy won’t cover, such as:2
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThe cost of a long-term care rider will depend on the life insurance company you choose. While many riders can be added on for a flat fee, long-term care riders are typically priced as a standalone product. This makes them more expensive and may add anywhere from $600 to $800 to your premiums annually.2
You can get a long-term care rider when you first purchase a life insurance policy. Here’s how the process typically works:
The cost of long-term care does not come cheap. In fact, it can cost nearly $9,000 per month to stay in a private room at a nursing home.2 If you’d like to ensure you can afford end-of-life costs, a long-term care rider is worth considering. But if you already have savings available for long-term care or don’t want to spend the extra money on a rider, you may decide you don’t need this product.
A long-term care rider can come in handy if you become chronically ill and need assisted medical care, as traditional health insurance doesn’t cover these expenses. Aflac does not currently offer a long-term care rider, but you might want to explore other riders that Aflac does offer, such as the accelerated death benefit rider and the waiver of premium rider. Contact Aflac today for more information on our life insurance policies for individuals and get a quote.
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The rates you'll pay for term life insurance depend on your age and other factors. Find out how rates vary with age and how to find the best term life insurance plan for you.
Life insurance with cash value lets you withdraw money to cover necessary expenses. Find out how cash value savings work and the types of insurance policies offered, including whole life insurance.
The rates you'll pay for term life insurance depend on your age and other factors. Find out how rates vary with age and how to find the best term life insurance plan for you.
Life insurance with cash value lets you withdraw money to cover necessary expenses. Find out how cash value savings work and the types of insurance policies offered, including whole life insurance.
1 ValuePenguin - Should I Buy Life Insurance with a Long-Term Care Rider? Updated August 18, 2025. https://www.valuepenguin.com/life-insurance-long-term-care-rider. Accessed September 2, 2025.
2 Policygenius - Life insurance with a long-term care rider. Updated March 7, 2024. https://www.policygenius.com/life-insurance/long-term-care-rider. Accessed September 2, 2025.
3 Forbes Advisor – Best Long-Term Care Insurance Companies Of 2024. Updated January 2, 2025. https://www.forbes.com/advisor/life-insurance/best-long-term-care-insurance/. Accessed September 2, 2025.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Aflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Arkansas, Idaho, Oklahoma, Oregon & Texas, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.
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