{"id":58413,"date":"2026-04-21T10:35:56","date_gmt":"2026-04-21T14:35:56","guid":{"rendered":"https:\/\/www.assur360.ca\/quebec-long-term-care-insurance-2026-chslds-and-home-support\/"},"modified":"2026-06-26T02:51:58","modified_gmt":"2026-06-26T06:51:58","slug":"quebec-long-term-care-insurance-2026-chslds-and-home-support","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/quebec-long-term-care-insurance-2026-chslds-and-home-support\/","title":{"rendered":"Quebec Long-Term Care Insurance 2026: CHSLDs and Home Support"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"Quebec-Long-Term-Care-Insurance-2026-CHSLDs-and-Home-Support\"><\/span>Quebec Long-Term Care Insurance 2026: CHSLDs and Home Support<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-soins-longue-duree\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"221 boul. Frontenac Ouest\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 1N3\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": \"Qu\u00e9bec\",\n  \"serviceType\": [\"Long-term care insurance\", \"CHSLD protection\", \"Home support insurance\", \"Alzheimer's and dementia insurance\"],\n  \"hasCredential\": \"AMF Certified (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Long-term care<\/strong> costs between <strong>$2,200 and $6,500 per month<\/strong> in Quebec \u2014 whether in <strong>public CHSLDs<\/strong>, <strong>private seniors&#8217; residences<\/strong> or through home services. The public plan covers only a fraction, and waiting lists often exceed 18 months. <strong>Long-term care insurance<\/strong> pays a <strong>tax-free monthly pension<\/strong> as soon as you lose your independence, to guarantee you the quality care you want, where you want. <strong>Assur360<\/strong> compares the best contracts via our <strong>AMF-certified brokers<\/strong> \u2014 free quote in 3 minutes.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">LONG-TERM CARE INSURANCE QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-independence-and-loved-ones\"><\/span>Protect your independence and loved ones<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare over 9 insurers in 3 minutes. AMF-certified independent brokers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">55+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Ideal age to subscribe<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$5,500\/month<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average premium private CHSLD<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To get a price<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Non-taxable at reception<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:32px auto 48px;max-width:1200px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:36px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/soins-longue-duree-hero.jpg\" alt=\"Quebec seniors who are independent in their home \u2014 long-term care insurance\" style=\"width:45%;max-width:480px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Preserving-ones-autonomy-after-the-age-of-65\"><\/span>Preserving one&#8217;s autonomy after the age of 65<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Long-term care insurance<\/strong> pays a monthly benefit when you lose your independence (inability to perform 2 of the 6 daily activities). Covers care at home, in a residence or in a private CHSLD. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\">Our partner firms compare offers from Sun Life, Manulife, RBC and iA \u2014 Assur360 remains an <strong>independent comparison site<\/strong> at no cost to the client.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-long-term-care-insurance\"><\/span>What is long-term care insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Long-term care (LTC) insurance<\/strong> is a contract that pays a <strong>monthly pension<\/strong> 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&#8217;s, dementia). The money is <strong>non-taxable<\/strong> and can be used freely: CHSLDs, private residences, caregivers, home adaptations, professional services. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Home care<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers home help, nurse, attendant, meals delivered, remote assistance and adaptation of the home (ramp, adapted shower).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Residence and CHSLD<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Completes the difference between the public plan and the actual cost of a private RPP or a private CHSLD under agreement \u2014 on average $3,500 to $6,500 per month.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udde0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Cognitive impairment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Triggers payment upon diagnosis of <strong>Alzheimer&#8217;s<\/strong>, dementia, advanced Parkinson&#8217;s, or any documented neurocognitive disease.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-long-term-care-really-cost-in-Quebec\"><\/span>How much does long-term care really cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Costs vary greatly depending on the type of accommodation and the level of care. Here are the indicative rates for 2026 \u2014 <strong>before<\/strong> the insurance contribution. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Type of care<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Average monthly cost<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Wait time<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Public CHSLD (max contribution)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,202\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">12 to 24 months<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Seniors&#8217; Home (MDA)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,202\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">18 to 36 months<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private seniors&#8217; residence (PSR) \u2014 with care<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$3,500 to $5,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 to 6 months<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private CHSLD under agreement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,500 to $4,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3 to 12 months<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private CHSLD not under agreement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$5,500 to $9,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immediate to 3 months<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Home Services 8 hrs\/day<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$4,000 to $7,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immediate<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Specialized Nursing Care at Home<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$6,000 to $12,000\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 to 2 weeks<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates for 2026 according to MSSS Quebec and FADOQ. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-should-take-out-this-protection\"><\/span>Who should take out this protection?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The younger you subscribe, the lower and more stable the premium. The optimal age is between <strong>50 and 60 years old<\/strong>, before the appearance of pre-existing conditions that could lead to a disqualification or additional premium. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc64<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Single 50-65 years old<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">No children available for care. LTC insurance replaces absent family breadwinners and avoids dependence on social assistance. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Owner couple<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">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. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Net assets> $500,000<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Too many assets for government assistance but not enough to absorb $6,000\/month for 5 to 10 years. LTC insurance preserves assets. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-a-benefit-application-work\"><\/span>How does a benefit application work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Documented loss of autonomy<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A doctor or occupational therapist assesses your inability to perform at least 2 of the 6 daily activities (ADLs) or diagnoses a cognitive impairment.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Reporting to the Insurer<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">You (or a caregiver\/proxy) send the benefit form with the medical reports. Most contracts require a waiting period of 30 to 90 days. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Validation and confirmation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The insurer validates the file \u2014 sometimes via an in-home evaluation by a mandated nurse. Average delay: 30 to 45 days. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Tax-free monthly payment<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The agreed upon amount (e.g., $3,000\/month) is paid directly into your account. You use the money however you want \u2014 no receipts to provide. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Combine LTC and life insurance<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Many newer policies allow you to <strong style=\"color:#ffffff;\">combine long-term care and permanent life insurance<\/strong> in one policy \u2014 if you don&#8217;t use LTC benefit, the intact death benefit is paid out to your heirs. Very advantageous premium-to-value ratio after age 55. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monthly-premium-according-to-the-age-of-subscription\"><\/span>Monthly premium according to the age of subscription<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Example for a benefit of <strong>$3,000\/month for life<\/strong>, 90-day waiting period, healthy non-smoker:<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Age at Purchase<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Female<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Male<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Couple (2 policies)<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">50 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$110\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$95\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$185\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$155\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$135\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$265\/month<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">60 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$225\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$195\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$385\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">65 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$335\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$290\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$580\/month<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">70 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$510\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$450\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$895\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">75 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$825\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$735\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,440\/month<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative premiums 2026 according to Canada Life, Manulife, Sun Life, Desjardins, and RBC. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Get your exact personalized price<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Pre-existing conditions cause the premium to skyrocket<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">If you wait until you have diabetes, heart disease or a history of stroke before applying, expect a <strong>50% to 200% surcharge<\/strong> \u2014 or even a complete refusal after age 65. <strong>Take out a healthy policy, ideally before age 60.<\/strong><\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE COMPARATOR<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your monthly pension \u2014 without commitment<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The brokers of our partner firms analyze your situation and offer you the best options on the market.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Compare Now<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-main-contract-structures\"><\/span>The 3 main contract structures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udd01 Pension repaid if not used<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If you die without having activated the benefit, your heirs recover 100% of the premiums paid. Higher premium but zero risk of &#8220;losing&#8221; your investment. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcc6 Lifetime benefit vs. limited time<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">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. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udc8a With or without a palliative care component<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">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. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcb5 Leveled Premium vs. T100 Premium<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">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.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-ways-to-reduce-your-premium\"><\/span>3 ways to reduce your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd50<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Extending the waiting period<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Going from 30 to 90 days reduces the premium by 15-25%. If you have 3 months of savings available, the calculation is advantageous. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcaa<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Applying for health insurance before age 60<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Premium 50-70% cheaper at age 55 than at age 65. Every year counts a lot after the age of 55. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc6b<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Joint contract<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Some insurers offer a 10-15% discount when two spouses purchase the same policy together.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"LTC-Insurance-in-Quebec-Where-We-Serve\"><\/span>LTC Insurance in Quebec: Where We Serve<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Our <strong>Assur360<\/strong> brokers support Quebecers throughout the province. We particularly serve <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and <strong>Thetford Mines<\/strong>, as well as all regions \u2014 Mont\u00e9r\u00e9gie, Lanaudi\u00e8re, Laurentides, Estrie, Mauricie, Chaudi\u00e8re-Appalaches and C\u00f4te-Nord.  Whether you live in an urban centre or in a rural area, we compare the same national insurers \u2014 <strong>Canada Life<\/strong>, <strong>Manulife<\/strong>, <strong>Sun Life<\/strong>, <strong>Desjardins<\/strong>, <strong>Empire Life<\/strong>, <strong>RBC<\/strong>, <strong>iA Financial Group<\/strong> \u2014 and apply the most competitive rates on the market.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles-to-consult\"><\/span>Related articles to consult<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Life Insurance in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Term, permanent, universal \u2014 complete guide to the protections offered.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Critical Illness Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Lump sum payment upon diagnosis of cancer, stroke, or heart attack.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Disability Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Replaces your income if you are unable to work due to illness or accident.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-sans-examen-medical\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Life Insurance without Medical Exam<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Simplified issuance for individuals with specific health conditions.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Long-term-care-insurance\"><\/span>Frequently asked questions \u2014 Long-term care insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the RAMQ or the public plan cover long-term care?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Partially. The public plan covers public CHSLDs and senior residences (MDA), but <strong>waiting lists often exceed 18 to 24 months<\/strong> and you do not choose either the facility or the room. Public home care services (CLSC) are generally limited to 1-3 hours per week. For any private service \u2014 RPA with care, full home assistance, private CHSLD \u2014 you pay out of pocket. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Long-term care insurance<\/a> fills this gap.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">At what age should I subscribe?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Ideally between <strong>50 and 60 years old<\/strong>. Earlier, the premium is low but you pay for longer. Later, the premium skyrockets and pre-existing conditions may cause exclusions or denial. At 55, in good health, non-smoker, you will pay about $130-160\/month for $3,000\/month for life. At 65, the same contract costs $290-340\/month.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between long-term care insurance and disability insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\">Disability insurance<\/a> replaces your <strong>employment income<\/strong> if you cannot work \u2014 it generally ends at age 65. <strong>Long-term care insurance<\/strong> pays for your <strong>housing and care<\/strong> when you lose autonomy (often after age 70). These are two complementary products, not substitutes.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the benefit taxable?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>No<\/strong>. Payments from long-term care insurance in Canada are <strong>non-taxable<\/strong>, since premiums are paid with after-tax money and the benefit is considered compensation, not income.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What are the criteria for triggering a benefit?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Two main criteria. <strong>ADL criterion<\/strong>: inability to perform at least 2 of the 6 daily activities (bathing, dressing, eating, moving, using the toilet, continence) independently. <strong>Cognitive criterion<\/strong>: medical diagnosis of a neurocognitive disease (Alzheimer&#8217;s, vascular dementia, advanced Parkinson&#8217;s) requiring constant supervision.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I use the benefit to pay a caregiver?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes<\/strong>, in most recent contracts. You receive the monthly benefit without proof and can pay a caregiver, a family member, or hire professional help. However, check the tax implications for the paid caregiver.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens if I die without ever using the benefit?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Depending on the type of contract: either the premiums are <strong>refunded to your heirs<\/strong> (guaranteed return of premium option), or they are kept by the insurer (no return option, cheaper). The option with return costs about 20-30% more but eliminates the risk of &#8220;getting nothing in return&#8221;.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I combine long-term care insurance with life insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes<\/strong>. Several insurers offer hybrid contracts with a guaranteed death benefit and integrated long-term care benefit. If you do not use the long-term care portion, your beneficiaries receive the full capital upon death. Very advantageous tax-wise and financially after age 55.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can my contributions increase over time?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It depends on the contract. <strong>Level premiums<\/strong> remain the same for life, contractually guaranteed. So-called <strong>renewable premiums<\/strong> may increase at each renewal (every 5 or 10 years). Always prefer level if your budget allows.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need a medical exam to subscribe?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Generally yes, especially after age 50. The exam includes a detailed questionnaire, blood tests, and sometimes a cognitive test (MoCA). For individuals with medical histories, there are <a href=\"https:\/\/www.assur360.ca\/assurance-vie-sans-examen-medical\/\">no medical exam<\/a> products available, but premiums are higher and benefit caps are lower.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the RAMQ or the public plan cover long-term care?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Partially. The public plan covers public CHSLDs and seniors' homes (MDA), but the <strong>waiting lists often exceed 18 to 24 months and you do not choose either the facility or the room. Public home care services (CLSC) are generally limited to 1-3 hours per week. For any private service \u2014 RPA with care, full home assistance, private CHSLD \u2014 you pay out of pocket. The <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">long-term care insurance covers this difference.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"At what age should I subscribe?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Ideally between <strong>50 and 60 years old. Earlier, the premium is low but you pay for a longer time. Later, the premium skyrockets and pre-existing conditions may cause exclusions or a denial. At 55, in good health, non-smoker, you will pay about $130-160\/month for $3,000\/month for life. At 65, the same contract costs $290-340\/month.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between long-term care insurance and disability insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The <a href=\\\"\/assurance-invalidite\/\\\">disability insurance replaces your <strong>employment income if you cannot work \u2014 it generally ends at 65 years old. The <\/strong><strong>long-term care insurance pays for your <\/strong><strong>housing and care when you lose autonomy (often after 70 years old). These are two complementary products, not substitutes.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is the benefit taxable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>No. Payments from long-term care insurance in Canada are <\/strong><strong>not taxable, since the premiums are paid with after-tax money and the benefit is considered compensation, not income.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the criteria for triggering a benefit?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Two main criteria. <\/strong><strong>ADL criterion: inability to perform at least 2 of the 6 daily activities (bathing, dressing, eating, moving, using the toilet, continence). <\/strong><strong>Cognitive criterion: medical diagnosis of a neurocognitive disease (Alzheimer's, vascular dementia, advanced Parkinson's) requiring constant supervision.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I use the benefit to pay a caregiver?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes, in most recent contracts. You receive the monthly benefit without justification and can pay a caregiver, a family member, or hire professional help. However, check the tax implications for the paid caregiver.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if I die without ever using the benefit?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Depending on the type of contract: either the premiums are <\/strong><strong>refunded to your heirs (guaranteed return of premium option), or they are kept by the insurer (no return option, cheaper). The return option costs about 20-30% more but eliminates the risk of 'getting nothing in return.'\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I combine long-term care insurance with life insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Yes. Several insurers offer hybrid contracts with a guaranteed death benefit and integrated long-term care benefit. If you do not use the long-term care portion, your beneficiaries receive the full capital upon death. Very advantageous tax-wise and financially after 55 years old.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can my contributions increase over time?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It depends on the contract. The <\/strong><strong>level premiums remain the same for life, contractually guaranteed. The so-called <\/strong><strong>renewable premiums may increase at each renewal (every 5 or 10 years). Always prefer level if your budget allows.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do I need a medical exam to subscribe?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Generally yes, especially after 50 years old. The exam includes a detailed questionnaire, blood tests, and sometimes a cognitive test (MoCA). For individuals with medical history, there are <a href=\\\"\/assurance-vie-sans-examen-medical\/\\\">no medical exam products, but the premiums are higher and the benefit caps are lower.\"\n      }\n    }\n  ]\n}\n<\/a><\/strong><\/a><\/strong><\/a><\/strong><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong> and the Insurance Chamber<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Independent brokers, conflict-free<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Response within <strong>24 business hours<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Protect your independence today<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">AMF independent brokers \u2014 response within 24 business hours.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get my quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Insurance Products\",\n      \"item\": \"https:\/\/www.assur360.ca\/produit-assurance\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Long-Term Care Insurance\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-soins-longue-duree\/\"\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Quebec Long-Term Care Insurance 2026: CHSLDs and Home Support Long-term care costs between $2,200 and $6,500 per month in Quebec \u2014 whether [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59227,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Quebec Long-Term Care Insurance 2026 | Assur360","_seopress_titles_desc":"CHSLD, RPA and home care coverage from the age of 55. 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