Rating: 9.7 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
Founded in 1997, LTCRplus provides members of alumni and professional organizations with long term care insurance options from different insurers. It currently works with more than 300 alumni groups and over 350 professional organizations. They also provide four core services to help their members find long term care insurance and care facilities, as well as auditing and legal assistance.

How is LTCRplus rated?


Claims & Benefits
Policies & Coverage
Financial Strength

Overall Rating: 9.7 / 10 (Excellent)

LTCRplus is one of the country's leading long term care insurance agencies. They work with the top insurers in the market to provide quality insurance policies to their customers, all of whom must be members of their affiliated affinity groups. However, the wide range of carriers they work with, as well as the four benefits they offer to all their customers, should make them one of the first options considered by group members.

Policies & Coverage

Policies & Coverage - 9.5 / 10

LCTRplus works with the country's leading long term care insurers. Therefore, the specific details of the policies will depend on the insurance company you or your group choose to work with. Member discounts are available under certain policies. However, the use of LCTRplus's services is limited to verified members of their partner affinity groups.
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Tax Qualified
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Spouse Survivorship
Home Modification
Available Discounts
Partner / Household
Preferred Health

Claims & Benefits

Claims & Benefits - 10 / 10

When you work with LTCRplus, benefit details depend on the insurance carrier you or your group selects. However, there are four benefits LTCRplus provides for all their customers: LTC Funding, which allows you to shop around for the right policy; LTC Navigation, which provides a care concierge to help you find care facilities; LTC Care Audit, which evaluates the care currently being given to ensure it lives up to your standards; and LTC Legal, which advises you when you need legal services required to your long term care.
Unlimited Lifetime Benefit Period?
Eligibility Requirements
Activities of Daily Living Limitations

Financial Strength & Ratings

Financial Strength - 9.5 / 10

LTCRplus connects customers with all the major insurance companies, some of which have received the best ratings from credit agencies such as Standard & Poor's and Moody's. The companies' financial strength indicates how likely they are to fulfill their monetary obligations when it comes to paying out claims.
Moody's Financial Rating
Standard & Poor's Financial Rating
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: New York Life.

LTCRplus Reputation

Reputation - 9.8 / 10

LCTRplus is accredited and rated A+ by the BBB. They are also trusted by more than 650 affinity groups nationwide to help their members find quality long term care insurance.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Company Type
Year Founded
Homepage URL
Company Phone
(844) 582-7587
Headquarters Address
20020 Harper Ave, Harper Woods, MI, 48225

Top Rated
Our Partner
9.7 / 10
  • Compare multiple LTC plans from top carriers
  • Helped over 600,000 people with their long term care planning
  • Four core services to assist members
  • Represents some of the best insurance companies in the industry
  • A+ score with the BBB