How are Long term care premiums determined?

Long-term care insurance premiums are determined based on several different factors, these include:

age

gender

current living status (single women pay more than married women)

benefit period and benefit amoung

elimination period

state where you are location

health history

In addition, long-term care insurance premiums varied depending on the insurance company and if you have added any rider or feature like inflation protection into your policy, it can affect the premiums too.