We help you navigate the maze of choices to get the best deal. By Kimberly Lankford, Contributing Editor From Kiplinger's Personal Finance, December 2013 Most major long-term-care insurers have raised rates for policyholders in the past few years -- sometimes by as much as 90% -- primarily for policies sold more than five years ago. Genworth is asking state regulators for permission to raise rates for some policies sold from 2001 to 2012.SEE ALSO: Make Long-Term Care More Affordable Keep the policy, if at all possible. If you drop it, you’ll lose the coverage you’ve paid for all the years you’ve had the policy. If you can’t afford the higher premiums, you have a couple of options: Sponsored Content Shorten the benefit period to three or five years. Most people don’t need benefits for more than three years. Reduce the inflation protection from 5% to about 3%. But calculate how much that will affect your total pool of benefits by the time you’re likely to need care, and make sure you aren’t giving up benefits you’ve already accumulated.