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For [business owners](https://www.myknowledgebroker.com/Long-Term-Care-Tax-Advantages-for-Business-Owners/), paying for long-term care insurance premiums for yourself, your spouse and key employees can have significant tax advantages. [It's a fact!](https://www.myknowledgebroker.com/hs-fs/file-17656695-pdf/docs/rri_factsaboutltc.pdf) **Americans are living longer than ever.** As you age, the more likely you may become ill or have an accident that requires assistance with day to day activities. And that assistance can be expensive. Since the passage of the Health Insurance Portability and Accountability Act (HIPAA) in 1996, it is now clear who is primarily responsible for paying for long term care - **you.** Long-term care insurance provides benefits to help pay for the care you'll need, while helping you protect your retirement assets, maintain your independence and avoid becoming a burden to your family. 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