Menu

Long-Term Care Insurance

Prepare for your future, protect your dreams, preserve your independence

Change State THRIVENT FINANCIAL, THE MARKETING NAME FOR THRIVENT FINANCIAL FOR LUTHERANS, HAS BEEN IN THE LONG-TERM CARE INSURANCE BUSINESS SINCE 1987.

Like most people, you hope you'll never need extended or long-term care. But if that day comes, long-term care insurance can help you be ready. You'll protect your family – emotionally, physically and financially – and allow them to spend more time caring about you and less time caring for you.

With a long-term care strategy you can:

  • Choose how and where you want your extended care provided.
  • Determine the level of independence you want to maintain.
  • Identify the role you want your family to play in your care.
  • Determine how you want to fund your care, while protecting your assets.

Long-Term Care Calculator

Determine how much money you need with our Long-Term Care Calculator.


Know the Facts About Long-Term Care

Take our five-minute Long-Term Care Planning Quiz.


Cost of Long-Term Care

Find out what the average cost of long-term care is in your state.

How Long-Term Care Insurance Works

Long-term care insurance coverage takes effect when you need help with at least two activities of daily living because of an illness, physical condition or cognitive impairment that is expected to last at least 90 days. Creating a strategy now before you need it can give you and your family a sense of reassurance.

Start with the basics

Determine a pool of funds to cover future care needs, and the number of years you want to pay premiums. If you need care, a health care professional will develop a written plan of care. In addition, care coordination services are available to help you and your family identify services, locate caregivers and facilities, and monitor your plan of care.

Design your plan

Make your plan truly yours with optional riders, like periodic benefit increases, to help keep up with rising care costs and inflation. Take advantage of discounts, too. Your Thrivent Financial representative can help you put it all together.

File a claim

If the time comes when you need to use your benefits, start the claims process by calling us at 800-847-4836 and say "insurance" at the prompt.