 Are you concerned about long-term care? You're also probably concerned about paying the high cost of long-term care coverage and increasing rates. Some long-term care rates have increased by as much as 40%. Thanks to recent changes made by Congress, you may be able to use non-qualified tax-deferred retirement money to pay for your long-term care tax-free. Some hybrid long-term care annuities or life insurance solutions can double or triple your funds available for care.