Services
The most expensive years are the ones nobody plans for.
Roughly seven in ten Americans over 65 will need some form of long-term care. A plan decides whether that care costs your savings — or is simply covered.
Why it matters
Care is a family event. Cost shouldn't be.
Extended care — at home, in assisted living, or in a facility — is largely not covered by Medicare. Without a plan, it comes out of savings, or out of a daughter's career, or a son's weekends.
- Protects a retirement nest egg from being spent on care
- Keeps choices in your hands: home care vs. facility, where and when
- Spares your children from becoming default caregivers
- Preserves the inheritance you intended to leave
Independence, insured
Planning approaches
Three ways to fund the plan
| Approach | How it works | Worth knowing |
|---|---|---|
| Traditional LTC insurance | A dedicated policy paying a daily or monthly benefit for qualified care. | The purest protection per premium dollar; health underwriting favors applying early. |
| Hybrid life + LTC | Life insurance with a long-term care rider — benefits for care if you need it, a death benefit if you don't. | Answers the "what if I never use it?" objection; premiums are typically guaranteed. |
| Annuity-based | An annuity designed to multiply its value when used for qualified care expenses. | Can work for those declined for traditional coverage; simplified underwriting. |
Common questions
Asked across our desk
When is the right age to plan for long-term care?
Most clients put coverage in place in their 50s. Premiums are based on age and health at application, so waiting is expensive twice: rates rise, and health changes can make coverage harder to qualify for at all.
Doesn't Medicare cover long-term care?
Mostly, no. Medicare covers short rehabilitative stays after a hospitalization — not the months or years of custodial care that most people actually need. Medicaid only steps in after most personal assets are spent down.
What if I pay premiums and never need care?
That's exactly the concern hybrid policies were designed for: if you never need care, your beneficiaries receive a death benefit instead. Nothing is wasted — the protection simply changes its shape.
The field guide library · Free
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Guide Nº 1 → Guide Nº 2 →Who to call
Your Long-Term Care desk.
The associates who live in this discipline — call or book them directly.