Qualified LTC insurance premiums are eligible up to age-based annual limits.
IRS Pub. 969; IRC §213(d)(10)
The limits are per-person and IRS-adjusted annually — only the capped amount is tax-free.
Vault the receipt in Candor and reimburse yourself tax-free — this year or in 20 years. No deadline (IRS Notice 2004-50, Q&A 39).
Start your shoebox — freeInformational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-07-16, last verified July 2026.