Q: What is the age limit for buying long-term care insurance?

A: Generally, insurance companies do not sell long-term care policies to individuals over the age of 84. The older you are, the more cost prohibitive the policies get due to health issues and other factors.

In other words, even if you were able to find a company that would sell your elderly parent long-term care insurance at that age, the premium would be very expensive.

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The premiums a younger senior would pay at that age are more reasonable compared to the benefits they could receive should they need the policy.