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Does USAA offer long term care insurance? I’d like information about it if you do.

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Answers (1)

Ljspector –


Thank you for your question. I’ll give you the bottom line answer up front. Yes, USAA does have a solution for long term care needs. More information can be found on usaa.com at https://www.usaa.com/inet/pages/insurance-long-term-care-main or you can call and speak to an advisor at 1-800-531-1426 to go over your options.


Planning for long term care needs is something that I wish more members do earlier in life as the statistics behind both cost and the likelihood of needing care continue to rise year over year. According to a 2017 study, a 65-year old can expect to incur $138,000 in long term care expenditures over their lifetime and 70% of Americans over 65 will require some form of long term care.1


Long term care can also have an effect on family members as 20 million Americans became unpaid caregivers in 2016 leaving many to struggle financially as well.2


The chips are stacked against retirees and it’s important to have an action plan to help make your overall financial situation stronger; take the following steps to plan for your long-term care needs:


  1. Determine what you want your long-term care plan to look like – determine where you would want to receive care, for example, in your home or near your family members or a care facility.
  2. Assess your options for paying for long-term care – Review different care options and understand how different types of insurance solutions work. Understand the pros and cons of insurance versus self-insuring.
  3. Determine the best course of action for you and your family – Have an honest conversation with your loved ones about what you want your long-term care plan to look like and more importantly what you don’t want to happen like becoming a burden to family or potentially running out of assets.
  4. Take action.

I hope this is helpful to both you and any other member that reads this. Please let me know if there are any other questions that you have and thank you for your membership.


Sean Scaturro, CFP®

Director of Life and Health Insurance Advice



  1. 2017 Bipartisan Policy Center Report
  2. 2016 Transamerica Institute Study