How to Save More with Long Term Care Insurance As the cost of care continues to soar, people are beginning to get confused between annual long term care (LTC) costs and long term care insurance costs. Who can blame them? Today somebody reports about a 3% increase in the cost of care somewhere in the northeastern region and then the following day a financial expert predicts that long term care insurance (LTCI) premiums will increase sometime next year. Keywords: Scott Lavik, long term care, long term care insurance, long term care plan, ltc, ltci