IRS Form 1099-LTC (Tax Year 2026)
Long-Term Care and Accelerated Death Benefits
- No TCC. No ID.me.
No IRS Setup Required
- Secure. Compliant.
IRS A2A-Approved
- Fast, Accurate,
and Hassle-Free
IRS Form 1099-LTC is used to report long-term care benefits and accelerated death benefits. It is commonly issued when benefits are paid under a long-term care insurance contract or when accelerated death benefits are paid under a life insurance contract.
Pricing
Small to Mid-Size Filers
- (Up to 5,000 recipients)
$249
- per submission*
- Includes first 100 recipients
- $0.28 per additional recipient (101–5,000)
- Unlimited payers included
Enterprise / High Volume
- Over 5,000 recipients
- Multiple submissions
- Custom pricing available
- * A submission is a single file with unlimited payers of one form type (i.e. 1099-NEC or 1099-MISC).
File with Confidence
- No TCC, ID.me, or IRS Setup
- You don’t need a TCC or ID.me account. We handle everything.
- We Transmit Using Our IRS Credentials
- We file on your behalf using our approved IRS TCC.
- Direct, Secure IRS Submission
- Files are transmitted directly to the IRS through the IRIS A2A channel.
- Data Validation Before Filing
- We validate your data to help reduce errors and rejections.
- Fast Turnaround
- Tailored to your data volume for quick processing.
- SOC 2 Compliant System
- Our portal is SOC 2 compliant and built for secure data handling.
- 20+ Years Experience
- IRS A2A Approved
- Real U.S. Support
How IRIS Works
Upload Your File
Upload your Excel or CSV file securely.
We Validate & Format
We format and validate your data to IRS standards.
Review & Approve
We generate IRS-ready PDFs for your approval.
Filed Directly to IRS
Your forms are e-filed securely using IRIS.
No manual processing. Fully automated IRIS submission.
Frequently Asked Questions (FAQs)
Do I need a TCC, ID.me account, or IRS setup?No. With 1099FIRE’s 1099-LTC e-filing service, you do not need your own TCC, ID.me account, IRIS account, or A2A setup. We handle the electronic filing process for you.
Yes. 1099FIRE can help prepare and e-file original 1099-LTC forms and corrected 1099-LTC forms through the IRS IRIS system.
Yes. We can help with bulk 1099-LTC filing by importing your Excel or CSV data, validating records, preparing recipient copies, and transmitting the filing electronically.
Form 1099-LTC reports long-term care benefits, accelerated death benefits, whether payments were made on a per diem basis or as reimbursement, and other policy or insured-person information.
Yes. 1099FIRE can help prepare recipient copies so policyholders, insured individuals, or other applicable recipients receive the required information.
Yes. Form 1099-LTC has existed for prior years, so 1099FIRE can help with current-year and prior-year filings when the required IRS format is available.
Outsourcing 1099-LTC filing reduces administrative work, avoids IRS setup delays, and helps your team focus on operations while 1099FIRE handles data preparation, validation, recipient copies, and IRIS electronic filing.
