Tax-Free LTC from Annuities: PPA-Compliant Solutions (2025)

The following fixed annuity products are Pension Protection Act (PPA) compliant and offer long-term care benefits using non-qualified funds. Distributions for qualified LTC expenses can be made 100% tax-free.

Available Annuity-Based LTC Solutions

Carrier	Product	PPA Compliant	LTC Benefit Type	Highlights
Global Atlantic	ForeCare	✅	Reimbursement	2–3x LTC pool, no medical exam, phone interview approval
OneAmerica	Annuity Care II	✅	Reimbursement	Lifetime benefit options, flexible premium, trusted PPA solution
OneAmerica	Indexed Annuity Care	✅	Reimbursement	Indexed growth potential with built-in LTC extension
EquiTrust	Bridge®	✅	Indemnity	2% annual benefit base growth, guaranteed issue option, includes wellness program

Note: Availability may vary by state. Always confirm state approvals and rider options with the carrier before presenting to clients.