As Minnesotans age, long-term care (LTC) insurance has evolved into a cornerstone of responsible retirement planning. With nearly 70% of Americans over 65 expected to require some form of long-term support, the financial stakes are higher than ever.

LTC insurance is a critical safety net that covers services typically excluded by Medicare, such as in-home assistance with daily activities, assisted living, nursing home care, and memory care. For most families, it is the primary defense to protect a senior’s financial stability, help maintain independence in later years, and ensure families aren’t stretched thin financially or emotionally with full-time caregiving. 

Similar to LTC, disability insurance is also a critical lifeline and important financial planning tool for Minnesotans. Helping cover expenses like mortgage payments and groceries when a breadwinner is unable to work due to illness or injury is a lifeline for Minnesota workers and families.

But the private LTC and disabiity insurance market is currently at a crossroads. Policies that impose overly rigid regulatory hurdles threaten to put this coverage out of reach for everyday Minnesotans. Tell lawmakers to keep LTC and disability coverage accessible for Minnesotans, and reject burdensome bureaucratic policies that will raise the costs of insurance for families and seniors. 

Every Minnesotans deserves a chance to age with security and financial peace of mind. 

Tell Our Lawmakers to Keep Long-Term Care & Disability Insurance Accessible, and Support Legislation that Gives Policy Holders an Expedited Process to Resolve Claim Issues Without Raising Costs.