Can You Deduct Long-Term Care Costs?

Yes—if you itemize deductions on your tax return, you may be able to deduct certain long-term care (LTC) costs as unreimbursed medical expenses.

Here’s what the June 19, 2025 Kiplinger Tax Letter says:

- If a doctor certifies that you or a loved one needs help with daily activities like bathing, eating, or dressing—or has dementia or cognitive impairment—then LTC services like home care, assisted living, or nursing homes may be deductible.

- Only the unreimbursed portion of the cost qualifies (what insurance doesn’t cover).

- Medical expenses are deductible only to the extent they exceed 7.5% of your adjusted gross income.

If you’re helping a parent with care costs, you might be eligible for a deduction too—especially if they qualify as your dependent.

Tip: Bunching medical expenses into one tax year (instead of spreading them out) can help you get over the 7.5% threshold and make the deduction count.