Long-Term Care Insurance Nursing home care costs an average of over $60,000 per year. The average length of stay is 2.4 years.* LTC Insurance can be complicated. How long before benefits begin? How long are benefits paid? Is inflation protection needed? What about in-home care? What's the difference between an indemnity and reimbursement plan? We can help you navigate the LTC insurance marketplace. *2004 MetLife Market Survey