Long-Term Care Planning
Protect your retirement assets from the high cost of long-term care — before you need it.
What Is Long-Term Care?
Long-term care refers to ongoing assistance with daily activities — bathing, dressing, eating, mobility — due to aging, chronic illness, disability, or cognitive decline. It can be provided at home, in an assisted living facility, or in a nursing home.
The costs are significant: a private nursing home room averages over $108,000 per year, and assisted living averages over $54,000 per year. Medicare covers almost none of this — it only pays for short-term skilled nursing care after a qualifying hospital stay.
Without a plan, a long-term care event can rapidly deplete retirement savings. Deborah helps families explore their options before a crisis occurs.
Traditional LTC Insurance
Dedicated long-term care insurance that pays a daily or monthly benefit for care costs. Premiums can increase over time.
Hybrid LTC Insurance
Combines life insurance or an annuity with a long-term care benefit. Premiums are fixed and unused benefits pass to heirs.
Learn MoreSelf-Funding
Setting aside dedicated retirement assets to cover potential care costs. Requires significant savings and careful planning.
Explore Hybrid LTC Planning
Hybrid LTC policies offer the best of both worlds — dedicated care coverage with a money-back guarantee if you never need it.
Explore Hybrid LTC
Plan for Long-Term Care Before You Need It
Deborah will walk you through your options and help you find the right strategy for your situation.