Payments for covered expenses made from a long-term care insurance policy are non-taxable. In this case you should not include covered expenses on your 2024 tax return.

Question

Do you include - Long Term Care payments received as a medical reimbursement amount?If the payment was received in 2025 for expenses in 2024

Forum|Forum|1 year ago
March 25, 2025
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JohnB5677

Payments for covered expenses made from a long-term care insurance policy are non-taxable.

In this case you should not include covered expenses on your 2024 tax return.

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mkoleary52Author

Hi John, just want to make sure I'm understanding your answer. I didn't claim any payments received as income. However, I'm questioning when it comes to medical expenses, do I enter how much I paid for nursing care (ex: $20K). and the Long Term insurance plan paid out (ex: $7K). Well in the medical section the program prompts me different types of conditions and two questions are how much did you pay nursing care and how much was reimbursed.

Thanks.

T

TomK2023

You can deduct qualified unreimbursed medical, dental, or vision costs on your federal return, if you itemize your deductions (on Schedule A) instead of taking the Standard Deduction.

If you itemize, you can deduct medical expenses that exceed 7.5% of your adjusted gross income (AGI)

The IRS has an extensive list of what you can and can’t deduct. IRS Pub. 202 Medical and Dental Expenses (beginning on page 5).

Enter Medical Expenses: