Group LTC Insurance plans are increasingly subject to large in-force premium increases - and employers are wondering how they can support their employees who purchased plans facing those increased rates. The good news is that for most employees they options to modify coverage and keep premiums at a similar rate - if they have access to good advice. This is a concern for employers offering plans because unlike most other voluntary benefits, employees who buy long-term care insurance typically keep the plans for their entire life. Group certificate are usually purchased in the employees 40's and 50's, and after an employee leaves their employer they typically start paying premiums directly to the insurer. Why are rate increases happening?