Compare GoldenCare vs. LTC Financial Solutions Long Term Care Insurance

What’s the difference between GoldenCare Long Term Care Insurance and LTC Financial Solutions, LLC Long Term Care Insurance? See how our editors compare the two companies below.
Last Updated: May 21, 2018
Disclosure: We receive advertising revenue from some partners. 
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GoldenCare
9.8 / 10 - Excellent
#1 in Long Term Care Insurance
LTC Financial Solutions
9.8 / 10 - Excellent
#2 in Long Term Care Insurance
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Key Facts

  • 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
  • A+ score, BBB-accredited
  • 65 years experience
  • Well connected broker with many long term care providers, offering comprehensive, affordable coverage plans
  • Protects your assets with tax-free benefits
  • Eligibility: Ages 45-79, $100k+ net worth, in good health

OVERALL RATINGS

 GoldenCareLTC Financial Solutions
Claims & Benefits10/1010/10
Policies & Coverage10/1010/10
Financial Strength10/1010/10
Reputation10/1010/10

Policies & Coverage

 GoldenCareLTC Financial Solutions
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Group
Tax Qualified
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Group
Tax Qualified
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Facility Coverage
Any Facility
Any Facility
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Available Discounts
Partner / Household
Preferred Health
Multi-Policy
Partner / Household
Preferred Health
Multi-Policy

Inflation Protection

Policies & Coverage Fine Print


Claims & Benefits

 GoldenCareLTC Financial Solutions
Maximum Daily Benefit Limit
Varies by Provider
Varies by Provider
Unlimited Lifetime Benefit Period?
Yes
Yes
Elimination Period
30 Day Minimum
30 Day Minimum
Eligibility Requirements
Activities of Daily Living Limitations
Activities of Daily Living Limitations

Financial Strength & Ratings

 GoldenCareLTC Financial Solutions
Moody's Financial Rating
A1
B2
AM Best Financial Rating
A+
B
Standard & Poor's Financial Rating
AA-
B+
*The above information reflects the financial strength of the underwriter of the LTC Financial Solutions long term care insurance policies: Genworth.
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: Mutual of Omaha Insurance Company.
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: Genworth.

Reputation

 GoldenCareLTC Financial Solutions
BBB Rating
A+
A+
Date Collected
2017-12-19
2017-12-19

Contact & Additional Information

 GoldenCareLTC Financial Solutions
Company Type
Marketplace
Marketplace
Year Founded
1976
Homepage URL
Company Phone
(800) 842-7799
(877) 380-8800
Headquarters Address
10700 Old County Rd. 15, Suite 450, Plymouth, MN, 55441
5471 W. Waters ave, Ste 300, Tampa, FL, 33634

Final Verdict

GoldenCare Long Term Care Insurance and LTC Financial Solutions, LLC Long Term Care Insurance are very close in quality and have the same overall rating. That said, Both companies score similarly on Claims & Benefits, Policies & Coverage, Financial Strength, and Reputation.