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MassMutual Long Term Care Insurance Review

Rating: 9.5 / 10 (Excellent)
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MassMutual is one of the biggest and leading insurance providers in the country today.  The company enjoys high financial scores from some of the most credible financial rating sites that include AM Best, Moody’s and S&P. With good financial standing, the company is poised to provide long term care insurance services well into the future.



MassMutual’s Long Term Insurance premiums are 40 percent higher compared to low-priced plans reviewed. These are plans with 3 year maximum benefit periods, for 60 year old enrollees and $100 daily benefits. Policies also come with inflation protection which adds another 50 percent to annual premiums. This difference between inflation protected and non-inflation protection is smaller compared to other companies. Benefits for inflation protected premiums for 3 year maximum period plans are doubled from $100 to around $200, this without doubling or tripling yearly premiums.


Plans Available


State Partnership






Non-tax Qualified Policies


Tax qualified Policies



Types of care covered

Assisted living

Nursing home care

Hospice care

Adult day care centers

Home health care



Waiting Period – 30, 60, 90 and 180 days

Maximum Benefit Period – 6 years

Health care – 100 percent cover


Waiting/ elimination periods for MassMutual are service based. Days are deducted based on the actual number of days when professional care was administered. 30 day waiting periods for example do not necessarily mean a one-month period but 30 accumulated days of care.

Policy holders could avail of their benefits in a daily or monthly option. MassMutual long term care insurance also offers a Waiver of Home Care Elimination Period and a Paid Up Spousal Survivorship option.


Financial Rating

A.M. Best – A++

(The company has demonstrated superior overall performance and has a very strong ability to meet its obligations to policyholders over a long period of time.)



MassMutual Long Term Care insurance is a financial service owned by its policy holders. Its long term outlook is stable which is important especially when you consider that you’re looking 20 or 30 years down the road before you need it.


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