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Long-Term Care Insurance — CLEAR Report

LTC is the coverage most people need and least understand.

Your CLEAR Report analyzes the exact language in your long-term care policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.

What We Analyze

→Daily benefit amount vs. current care costs
→Benefit pool total and longevity
→Elimination period length and compliance
→Inflation protection type (simple vs. compound)
→Benefit triggers (ADL count required)
→Home care vs. facility care parity
→Shared care rider provisions
→Premium increase history and stability

Industry Reality Check

What the data actually shows.

70%
of people over 65 will need long-term care services
$9,000
average monthly cost of a private nursing home room
3 years
average duration of long-term care need
52%
of LTC policies lapse before a claim is ever filed

Common Coverage Gaps

Where long-term care policies typically fall short.

Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.

Gap 01
Daily benefit amount vs. current care costs
Gap 02
Benefit pool total and longevity
Gap 03
Elimination period length and compliance

Your Report Framework

The CLEAR Report — 5 Core Areas

Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.

C
Coverage
What is actually protected under your policy and under what conditions.
L
Limits
Where your financial caps, sublimits, and per-occurrence maximums live.
E
Exclusions
What is explicitly left out — often buried in endorsements and riders.
A
Adjustments
Endorsements, modifications, and riders that change your base coverage.
R
Risk
Your overall exposure score based on gaps, limits, and exclusion density.

Report Structure

9 Sections. Every policy. Every time.

01
Coverage Summary
Plain-English breakdown of what your policy actually covers.
02
Limits Analysis
Every financial cap mapped against real-world exposure.
03
Exclusions Review
What is left out — and what that means for your specific risk.
04
Endorsements & Adjustments
Riders and add-ons that modify your base policy terms.
05
Risk Score
Your CLEAR score: a 0–100 rating of overall policy strength.
06
Coverage Gaps
Specific areas where your coverage falls short of your exposure.
07
Carrier Flags
Known issues and patterns specific to your insurance carrier.
08
Claim Readiness
Whether your policy and documentation are ready if you need to file.
09
Questions for Your Agent
Specific questions to ask your agent based on what we found.

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