Thrivent offers two options for long-term care insurance. Their members can choose between their standard long-term care insurance and their CareForward insurance, which bundles life insurance and long-term care insurance. Coverage for both includes residential care facilities like nursing homes, assisted living facilities and hospices, adult day care and home care. Both can be customized to include additional benefits through Thrivent's many riders. Some of these riders include cash benefits, annual increase benefits, and inflation benefits.

The Thrivent Long-Term Care Insurance policy includes features like care coordination services, caregiver training, respite care, and more. Their care coordination services are a great feature that lets a health care coordinator take the reigns of the insured person's care plan, which allows the insured and their family members to rest easy knowing they will be cared for. Other benefits for both plans include alternate care, bed reservation, and international care.

Like most long-term care insurances, Thrivent's eligibility requirements include the policy holder's physical or cognitive inability to perform two or more daily living activities. This has to be certified by a licensed health care practitioner.

Thrivent's maximum monthly benefit amounts start at $1,500 and can go up to $15,000 in $100 increments. The maximum amount of years of long-term care benefits provided by Thrivent is 8 years, or 96 months.

The company is registered under the name Thrivent Financial for Lutherans, as Thrivent is their marketing name. It received a superior financial strength rating from AM Best on June 2022 and retained its rating AA+ from S & P Global. Moody's awarded it an insurance financial strength rating of Aa2. All of these high ratings indicate that Thrivent is capable of paying their policyholders' claims and poses a very low credit risk.

Thrivent has two registered profiles on the BBB website, one for each headquarters. Its oldest profile, registered under Thrivent Financial, claims the company has been accredited by the Better Business Bureau since 1999 and holds a rating of A+. The customer review rating is 1.52/5 and the company has closed a total of 11 complaints in the last three years.