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Standout benefits: Long-term care insurance is available to applicants between ages 30 and 79, with a 15% discount for couples who enroll together and a 5% discount if only one partner gets coverage.

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Mutual of Omaha has the best traditional long-term care insurance. New York Life is also a good option, and Nationwide has quality options on its life insurance policies.

The economic value of unpaid long-term care is also growing by leaps and bounds as the population ages, longevity boosts the incidence of cognitive decline, and the cost of paid care escalates.

Explore the best applicant tracking systems of 2025. Find the perfect tool to enhance your recruitment strategy and improve candidate management today.