10 Best
Long Term Care Insurance
of 2025
Long Term Care Insurance
of 2025
Promoted
Our Partner
Nation’s leading provider since 1976, unmatched expertise and experience.
- Applicable for adults between the ages of 45 and 79
- Wide range of options & exclusive discounts.
- Cost of Care Map tool to understand costs
Continental Long Term Care Insurance Review
ConsumersAdvocate.org
37 Customer Comments & Reviews - see all comments
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For more than a century, Continental has provided financial services for both individual and businesses. The company is included in the top ten lists of commercial, property and casualty insurers in the country. Continental provides group policies for long term care insurance as part of their commercial insurance offerings. (Note: As of 2003, Continental no longer offers long term care insurance policies. Current policies are still in effect.)
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37 Customer Comments & Reviews
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My mom got a policy many years ago and now is in assisted living with dementia. We have been trying to get her claim processed since January and now it is June. It has been a terrible experience dealing with them. You get nothing but excuses and the run around!! We may have to take legal action against this company to get this resolved. I do not recommend this company at all! I would give them negative stars!
I am writing regarding the significant increase in my premium after paying for this insurance over 20 years. I am now 80 years old and just moved to Florida to be near our son. I just received a letter saying my payment increased from an already significant increase of $380.89 (promising to increase at a rate of 25% per year going forward) to $773.90/month. Why? The company is only going to pay out the same amount for care regardless of what state I am living in, so why should I be charged $400 more per month because of the state I live in? It seems like a scam to get people living on a fixed income to a point where they will not be able to afford to pay the premium just before they... Read More
I have been a client of the Continental LTCS for almost 2 decades. Since my accident on 6/14/2022, I have called Continental no fewer than 30 times and have spoken to no fewer than 16 people (some multiple times). Here we are a year later and I still do not have answers to questions, let alone resolutions to concerns and claims. Let that chronology speak for itself if you are considering doing business with this company. BTW, as of today 6/22/23, there is still NO END IN SIGHTS.
I am worried, reading so much about the poor experiences of customers who have faithfully paid premiums for years but run into difficulties when needing to file claims.
My mother obtained a long term care policy in 2007, at a reasonable rate (approximately $1.600/year premium) for a very low coverage plan (lifetime maxium of $107K). 2 months before her 80th birthday, she was notified that her rates would increase from $400/quarter to $1,023/quarter over a period of 2 years, a 150% increase and frankly unaffordable for an elderly woman on a fixed income. She had to surrender her policy. They said the rate increase had nothing to do with her age (which I'm not sure I believe), but to increase her policy by this much right before she might actually need it, is predatory. Don't be lulled into a false sense of security with one of these plans - my... Read More
In 2002 when my wife Janice F. Cox and I, Charles A. Cox were looking for eventual long term care insurance, Farmers New World Life Insurance looked like just what we would eventually need when we could no longer care for ourselves. We have paid in $55, 545.68 as of December 2022. However, when we saw that Janice was in need of care beyond what Charles could offer at home, we applied for funds to help with the expense and we turned to Farmers. We were not totally clear about how to go about obtaining such help. Somewhere in mid 2022 we found that Janice would need assisted living and eventually found one in Brookdale Senior Living Solutions. Before we interviewed with Brookdale, we got in... Read More
CNA has been absolutely terrible in helping resolve any issue including: assignment of benefits, getting paid, switching agencies and billing. The latest fiasco for which I have yet to get paid is a statement that stated it covered the time period of 12/19/2022 through 1/01/2023. When looking at the statement the billing days were for 12/19/2022 through 12/25/2022. There was nothing to do with the week of 12/26/2022 through 01/01/2023. However, the prior statement was for 12/19 -12/25. Therefore I was paid nothing. Expect very long waits and possible disconnection on the phone after waiting for an hour. Expect agents who cannot help you. We have paid premiums for years. My advice... Read More
CNA LTC gladly accepted my premiums for 24 but its' a total different experience receiving our daily benefit payments. The claim for benefits was accepted but the reimbursement process is very slow. I get the distinct impression claim support personnel look for way to deny payments, treat you like a third party claimant rather than a first party policyholder. The stress factor is greatly enhanced dealing with CNA claims process while caring for my wife of 62 years that now has dementia Alzheimer's.
I don't usually leave reviews. But my husband needed to use his long term care coverage for 2 1/2 years. There is a learning curve-----forms must be sent monthly and exactly the way the CNA wants them filled out. But if done right---the checks will come regularly. We had no problems
My policy for long term care was with another company and sold to Continental not long ago. We have paid for this policy for 20 years. It is now time to use it for an in home caregiver. We have gotten the run around from this company for over three months. They don’t call back, they say they will open a cube for all correspondence to be put in, when the email arrived, our daughter tried to open it and got a sales for clothing site. It’s a nightmare.
We have ledgers showing when our calls started with them and notes what was said.
It is so, so sad to be treated in this manner when you need help the most.
They are disgusting!
Top Rated
Our Partner
Nation’s leading provider since 1976, unmatched expertise and experience.
- Applicable for adults between the ages of 45 and 79
- Wide range of options & exclusive discounts.
- Cost of Care Map tool to understand costs