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Question

What qualifies as “certified” long-term care insurance under SECURE 2.0?

Answer

Certified long-term care insurance includes qualified LTC contracts for which premiums would be deductible on Schedule A under IRC § 7702B, certain life insurance and annuity riders that provide LTC benefits, and policies that include inflation protection and consumer safeguards.

Related FAQs

How do qualified long-term care distributions compare to paying LTC premiums with after-tax savings?

Should I use my retirement savings to fund long-term care insurance premiums?

Can I use my 401(k) to pay for long-term care insurance without a penalty?
Insurance Solutions Disability Retirement Planning Long-Term Care Living in Retirement Healthcare & Medicare Health Conditions FAQs
Last Updated July 7, 2026
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