1099-LTC Reimbursement and Medical Expenses Entry (TurboTax 2025)

[SoonerWolverine]

Want to be sure I understand how to enter this information so my parents get tax deduction for unreimbursed medical expenses associated with long term care. They got 1099-LTC that lists reimbursement received which only covered part of the year. (There was a 100 day elimination period during which no reimbursement was received.) So two questions:

1. When entering the 1099-LTC under income, I would enter total number of days in facility and the total paid for those days? Or should I only include the reimbursed number of days and expenses?

2. If answer to that is entering total expenses (not just reimbursed expenses) for long term care, do I need to separately add those unreimbursed long term care expenses as a medical deduction? (From a quick Google search, it appears this the difference between total long term care expenses and reimbursed expenses are not automatically handled, but want to be sure.)

[AnnetteB6 · Accepted solution]

The goal of entering the Form 1099-LTC is to show that the payment received and reported on the Form 1099-LTC was less than the total expenses.  That makes the payment tax-free.  Since the reimbursement received covered days past the 100 day elimination period, you should report the number of days being reimbursed that does not include the first 100 days and the cost for those days that are reimbursed.

TurboTax will not transfer any of this information to the Medical Expenses section to be used as an itemized deduction.  You will need to calculate the cost incurred for the first 100 days plus any additional cost incurred and paid over and above the reimbursement amount for the days that were reimbursed by the LTC plan and enter this information as a medical expense.  

[Oscar Zilch]

I have a Form 1099-LTC but cannot find it in TurboTax Deluxe for Windows 11. How to I enter the infor for my Form 1099-LTC? Thanks.

[Karis_F]

To enter Form 1099-LTC in TurboTax Desktop:

1. Go to Personal Income

2. Scroll down to Less Common Income

3. Select Start next to Miscellaneous Income, 1099-A, 1099-C

4. Select Start next to Long Term Care Account Distribution (Form 1099-LTC)