Long-term care isn’t just about aging—it’s about planning. Without a strategy, the cost of care can quietly erode the retirement you’ve worked so hard to build.
Whether it’s help at home, in assisted living, or in a nursing facility, long-term care services can be expensive—and those costs typically aren’t covered by health insurance or Medicare.
A long-term care plan helps ensure that when life changes, your lifestyle, income, and legacy don’t have to.
Long-term care (LTC) includes non-medical services that support people who can no longer manage basic daily tasks on their own due to aging, illness, or injury. That might mean help with dressing, bathing, eating, mobility, or managing medications.
Care can be delivered:
It’s not about where you live—it’s about having the right support, in the right place, at the right time.
Because the greatest threat to your retirement savings may not be the market—it may be the cost of care.
Without a plan, you may find yourself paying out-of-pocket, quickly burning through savings, and forcing loved ones into difficult financial and emotional roles.
Long-term care insurance isn’t about income—it’s about protecting your income. It helps cover the cost of care, so your retirement income can continue funding your lifestyle—not long-term care bills.
A well-designed policy:
In short, it’s a financial safety net designed to keep you in control—not your circumstances.
Medicare doesn’t cover extended long-term care. It only pays for short-term rehabilitation after a hospital stay.
A few years of care can wipe out a lifetime of savings. Insurance helps preserve your financial security.
The best time to buy is before you need it—while you’re still healthy and coverage is affordable.
Even the most loving family may not be equipped—or able—to provide long-term care.
It’s worth exploring if you:
Long-term care planning isn’t just for later.
It’s for right now—so you’re not forced to make hard choices later.
Our Learning Center offers deeper guidance on:
Because protecting your future starts with a plan today.
Our team can help you explore coverage options tailored to your needs.