true for new policy sales. Some 350,000 new policies are sold each year with 84 percent being linked-benefit or life insurance policies that include a LTC benefit. In the U.S., the nation's long-term care insurance companies paid out a record $11 billion in claims in 2019 to some 310,000 policyholders. A new study projects that the lifetime chance of long-term care insurance policy usage. Someone purchasing coverage at age 65 has a 50% likelihood of using their policy benefits, especially when there is no elimination period for home care benefits. See also Activities of daily living CLASS Act Continuing Care Retirement Community Health insurance in the United States Long Term Care Benefit Plan References External links What to look for in a LTC policy from Consumer Reports (February 2011) U.S. Department of Health and Human Services Long Term Care information American Association for Long Term Care Insurance - AALTCI National Institute on Health National Association of Insurance Commissions LTC Section US Department of Health & Human Services Aging, Caregiving & LTC Medicaid Eligibility Caregiving Elderly care Health insurance Medicare and Medicaid (United States)