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Long-term care insurance premiums are rising again in Pennsylvania, by a lot. Here’s why.

Long-term care policyholders faced with painful rate hikes are in a bind: Cancel coverage and forfeit money paid over the years to the carrier or accept skimpier benefits.

FILE photo shows an elderly couple. Long-term care insurance is a critical tool used by the older population to pay for assistance with day-to-day activities such as bathing, dressing and eating meals.
FILE photo shows an elderly couple. Long-term care insurance is a critical tool used by the older population to pay for assistance with day-to-day activities such as bathing, dressing and eating meals.Read moreAP Photo/Matt Rourke