Long Term Care

Draft copy: for review, not yet approved.

The Conversation Everyone Postpones

Seventy percent of people over 65 will need some form of long-term care, and Medicare pays for almost none of it. Planning ahead is not pessimism; it is how you make sure care happens on your terms, in the setting you choose, without draining what you meant to leave behind.

What We Help With

• Traditional long-term care insurance. Dedicated coverage for home care, assisted living and nursing facilities.
• Hybrid life + LTC policies. Life insurance with living benefits you can draw for care, so the premium is never wasted even if care is never needed.
• Short-term care coverage. Affordable policies for recovery periods that Medicare only partly covers.
• Honest triage. Sometimes self-funding or family plans make more sense than a policy. We will tell you when that is true.

Why Timing Matters

Premiums are set by your age and health on the day you apply. The same coverage costs dramatically less at 60 than at 70, and some health changes close the door entirely. The best time to look is before you need to.