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Long Term Care

What does living life on your own terms mean to you? No matter what you have in mind, putting a plan in place is a good first step.

What is long term care?

There may be a time when you're not able to take care of yourself, especially later in life. Long term care (LTC) is designed to meet your health or personal care needs over time. This may involve non-skilled personal care assistance, such as helping perform everyday Activities of Daily Living (bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence, and eating).

Who might need long term care?

older people at a table with flowers
The need for LTC can happen to anyone, at any time. It can result from being chronically ill, from a severe cognitive impairment, or something as unexpected as an accident or injury. Americans are living longer than ever before. That means the possibility of enjoying retirement for many years, but also an increasing probability of experiencing health conditions associated with aging.1

How to pay for LTC

Long term care can be very expensive. Thinking ahead can help ensure the plans you've made for retirement are not interrupted by an LTC event and the impact on your family is minimized. The time to create a plan is now and MassMutual may be able to help.

LTC and chronic illness solutions

There are many ways to help cover the cost of care, such as relying on family and friends, personal savings, home equity loans, and state Medicaid programs.2 Here are some insurance options to consider:


LTC Insurance

A policy designed to help pay for the costs associated with long term care.

Hybrid LTC + Life Insurance

Life insurance policies with a long term care benefit included.

Learn more

Life Insurance With Acceleration Benefits

These are attached to a life insurance policy and would allow you to use a portion of your policy's death benefit, once certain conditions are met, for long term care or chronic illness needs.

Compare benefit types

Traditional LTC
Hybrid LTC + Life
Life Insurance
with Acceleration

Primary Need

LTC benefits

LTC benefit

Death benefit

Secondary need


Death benefit

LTC or chronic illness benefit

What is the process for getting an LTC solution?

illustration of two figures in virtual meeting

When you work with a financial professional, you can expect:

    • Analyze
    • During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.

    • Recommend
    • After looking at your entire financial picture, your financial professional will provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.

    • Purchase
    • If you're satisfied with their recommendations, they work with you to secure the products and services to help ensure your financial future. This may require a medical exam.

    • Review
    • Your financial professional can work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.

Contact a financial professional

Why MassMutual



we've been helping people secure their financial future and protect the ones they love

more than


of life insurance protection in force as of 12/31/23

named for the


year in a row as a Best Place to Work for Disability Inclusion according to the Disability Equality Index®



insurance and annuity benefits paid to policyowners and other customers in 2023

1 Arias E, Heron M, Xu JQ. United States life tables, [2013]. National vital statistics reports; [vol 66 no 3.] Hyattsville, MD: National Center for Health Statistics. [2017].

2 To qualify, income and assets must meet state requirements.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), (Springfield, MA 01111-0001) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (Enfield, CT 06082).