Long-term care costs between $2,200 and $6,500 per month in Quebec — whether in public CHSLDs, private seniors’ residences or through home services. The public plan covers only a fraction, and waiting lists often exceed 18 months. Long-term care insurance pays a tax-free monthly pension as soon as you lose your independence, to guarantee you the quality care you want, where you want. Assur360 compares the best contracts via our AMF-certified brokers — free quote in 3 minutes.
LONG-TERM CARE INSURANCE QUOTE
Protect your independence and your loved ones
Compare more than 9 insurers in 3 minutes. Independent brokers certified by AMF.
Get my free quoteWhat is long-term care insurance?
Long-term care (LTC) insurance is a contract that pays a monthly pension when you lose your independence to perform at least two of the six daily activities (bathing, dressing, feeding, moving, using the toilet, continence) or in the event of diagnosed cognitive disorders (Alzheimer’s, dementia). The money is non-taxable and can be used freely: CHSLDs, private residences, caregivers, home adaptations, professional services.
Home care
Covers home help, nurse, attendant, meals delivered, remote assistance and adaptation of the home (ramp, adapted shower).
Residence and CHSLD
Completes the difference between the public plan and the actual cost of a private RPP or a private CHSLD under agreement — on average $3,500 to $6,500 per month.
Cognitive impairment
Triggers payment upon diagnosis of Alzheimer’s, dementia, advanced Parkinson’s, or any documented neurocognitive disease.
How much does long-term care really cost in Quebec?
Costs vary greatly depending on the type of accommodation and the level of care. Here are the indicative rates for 2026 — before the insurance contribution.
| Type of care | Average monthly cost | Wait time |
|---|---|---|
| Public CHSLD (max contribution) | $2,202/month | 12 to 24 months |
| Seniors’ Home (MDA) | $2,202/month | 18 to 36 months |
| Private seniors’ residence (PSR) — with care | $3,500 to $5,500/month | 1 to 6 months |
| Private CHSLD under agreement | $2,500 to $4,500/month | 3 to 12 months |
| Private CHSLD not under agreement | $5,500 to $9,500/month | Immediate to 3 months |
| Home Services 8 hrs/day | $4,000 to $7,500/month | Immediate |
| Specialized Nursing Care at Home | $6,000 to $12,000/month | 1 to 2 weeks |
*2026 indicative rates according to MSSS Quebec and FADOQ. Get your exact price in 3 minutes.
Who should take out this protection?
The younger you subscribe, the lower and more stable the premium. The optimal age is between 50 and 60 years old, before the appearance of pre-existing conditions that could lead to a disqualification or additional premium.
Single 50-65 years old
No children available for care. LTC insurance replaces absent family breadwinners and avoids dependence on social assistance.
Owner couple
So as not to deplete the savings of one spouse if the other loses his or her autonomy. Protects the legacy and quality of life of the healthy spouse.
Net assets> $500,000
Too many assets for government assistance but not enough to absorb $6,000/month for 5 to 10 years. LTC insurance preserves assets.
How does a benefit application work?
Documented loss of autonomy
A doctor or occupational therapist assesses your inability to perform at least 2 of the 6 daily activities (ADLs) or diagnoses a cognitive impairment.
Reporting to the Insurer
You (or a caregiver/proxy) send the benefit form with the medical reports. Most contracts require a waiting period of 30 to 90 days.
Validation and confirmation
The insurer validates the file — sometimes via an in-home evaluation by a mandated nurse. Average delay: 30 to 45 days.
Tax-free monthly payment
The agreed upon amount (e.g., $3,000/month) is paid directly into your account. You use the money however you want — no receipts to provide.
Combine LTC and life insurance
Many newer policies allow you to combine long-term care and permanent life insurance in one policy — if you don’t use LTC benefit, the intact death benefit is paid out to your heirs. Very advantageous premium-to-value ratio after age 55.
Monthly premium according to the age of subscription
Example for a benefit of $3,000/month for life, 90-day waiting period, healthy non-smoker:
| Age at Purchase | Female | Male | Couple (2 policies) |
|---|---|---|---|
| 50 years | $110/month | $95/month | $185/month |
| 55 years | old $155/month | $135/month | $265/month |
| 60 years | old $225/month | $195/month | $385/month |
| 65 years old | $335/month | $290/month | $580/month |
| 70 years | old $510/month | $450/month | $895/month |
| 75 years old | $825/month | $735/month | $1,440/month |
*2026 indicative premiums according to Canada Life, Manulife, Sun Life, Desjardins and RBC. Get your exact personalized price.
Pre-existing conditions cause the premium to skyrocket
If you wait until you have diabetes, heart disease or a history of stroke before applying, expect a 50% to 200% surcharge — or even a complete refusal after age 65. Take out a healthy policy, ideally before age 60.
FREE COMPARATOR
Your monthly pension — without commitment
Our AMF brokers analyze your situation and offer you the best options on the market.
Compare Now 1-866-357-4451The 3 main contract structures
🔁 Pension repaid if not used
If you die without having activated the benefit, your heirs recover 100% of the premiums paid. Higher premium but zero risk of “losing” your investment.
📆 Lifetime benefit vs. limited time
Some contracts pay as long as you are losing autonomy (for life), others limit it to 5 or 10 years. The lifetime annuity costs 20-30% more but protects against long stays.
💊 With or without a palliative care component
Option that doubles the benefit for the last 6 months of life if there is a terminal prognosis. Modest cost (~5-8% of premium) for a significant end-of-life gain.
💵 Leveled Premium vs. T100 Premium
The level premium remains fixed for life. The T100 premium is payable until age 100 or until death. Prioritize leveled if you are under 65 years old.
3 ways to reduce your premium
Extending the waiting period
Going from 30 to 90 days reduces the premium by 15-25%. If you have 3 months of savings available, the calculation is advantageous.
Applying for health insurance before age 60
Premium 50-70% cheaper at age 55 than at age 65. Every year counts a lot after the age of 55.
Joint contract
Some insurers offer a 10-15% discount when two spouses purchase the same policy together.
LTC Insurance in Quebec: Where We Serve
Our Assur360 brokers support Quebecers throughout the province. We particularly serve Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Thetford Mines, as well as all regions — Montérégie, Lanaudière, Laurentides, Estrie, Mauricie, Chaudière-Appalaches and Côte-Nord. Whether you live in an urban centre or in a rural area, we compare the same national insurers — Canada Life, Manulife, Sun Life, Desjardins, Empire Life, RBC, iA Financial Group — and apply the most competitive rates on the market.
Related articles to consult
Life insurance in Quebec
Temporary, permanent, universal — a complete guide to the coverage available.
Critical illness insurance
Lump sum capital as soon as cancer, stroke or heart attack is diagnosed.
Disability Insurance
Replaces your income if you are unable to work due to illness or accident.
Life insurance without a medical exam
Simplified issuance for people with special health conditions.
Frequently asked questions — Long-term care insurance
Why trust Assur360?
FREE QUOTE
Protect your autonomy today
Independent AMF brokers — response within 24 business hours.
Get My Quote 1-866-357-4451