Continental Long Term Care Insurance Review

Rating: 5.1 / 10 (Average)
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For more than a century, Continental has provided financial services for both individual and businesses. The company is included in the top ten lists of commercial, property and casualty insurers in the country. Continental provides group policies for long term care insurance as part of their commercial insurance offerings. (Note: As of 2003, Continental no longer offers long term care insurance policies. Current policies are still in effect.)

How is Continental rated?


Claims & Benefits
Policies & Coverage
Financial Strength

Overall Rating: 5.1 / 10 (Average)

Continental offers standard long term care insurance group policies. These policies are not available for individuals, however, which limits the type of policyholder who may take advantage of their plans. Continental also limits the amount of coverage to care provided outside of nursing homes. People in assisted living facilities may find these policies lacking. (Note: Continental no longer offers long term care insurance policies. Current policies are still in effect.)

Policies & Coverage

Policies & Coverage - 6 / 10

Continental offers long term care insurance group and individual policies. They cover care provided in nursing homes and at assisted living facilities. An inflation protection rider is available.
Policy Types
Individual / Standard
Types of Covered Care
Assisted Living / Adult Day Care
Nursing Home
Facility Coverage
Any Facility
Available Policy Riders
Inflation Protection
Waiver of Premium

Inflation Protection

An automatic inflation protection rider is available.

Claims & Benefits

Claims & Benefits - 1 / 10

Long term care insurance from Continental allows you to build a plan with the right amount of coverage for you. Continental will pay 100% of nursing home expenses, up to your daily maximum, and 50% or 100% for non-nursing home care expenses. Benefit periods range from 3 to 5 years.
Maximum Daily Benefit Limit
$260 per day
Lifetime Benefit Period
5 years
Unlimited Lifetime Benefit Period?
Elimination Period
Eligibility Requirements
Activities of Daily Living Limitations
Alzheimer's or Cognitive Impairment

Financial Strength & Ratings

Financial Strength - 8 / 10

Continental is underwritten by the Continental Casualty Company. CCC enjoys high ratings from its parent company, CNA, the eighth largest commercial insurance company in the U.S.
Continental Casualty Company
Moody's Financial Rating
AM Best Financial Rating
Standard & Poor's Financial Rating
*The above information reflects the financial strength of the underwriter of the Continental long term care insurance policies: Continental Casualty Company.

Continental Reputation

Reputation - 8 / 10

Continental Casualty Company and CNA Financial Corporation enjoy a high rating from the Better Business Bureau and over a hundred years of experience. However, potential customers should be aware of a pending class action lawsuit regarding CNA Financial Corporation's failure to pay long term care insurance claims to insured in assisted living facilities. For more information, visit this link:
BBB Rating
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Company Type
Subsidiary/ Partner
Year Founded
Homepage URL
Company Phone
(877) 262-2727
Headquarters Address
333 South Wabash Avenue, Chicago, IL, 60604
Mailing Address
333 South Wabash Avenue, Chicago, IL, 60604

Top Rated
Our Partner
9.8 / 10
  • Rated A+ by the BBB
  • Monthly cash benefits for spousal home care
  • Nationwide network of agents
  • Affiliated with top long term care carriers
  • Applicants between the ages of 30 and 79 will be considered for coverage.
  • Choose between multiple long term care insurance policies