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Long-Term Care has the Potential to be Your Most Important Asset

No one ever likes to think about it, but long-term care can be a necessity for some -- whether it's due to a disability, old age, etc.  And according to recent stats about long-term care, it ain't cheap at all -- over $100,000/year as of 2018.


While you may have an existing health insurance policy, long-term care coverage usually isn't included under most policies.  And Medicaid's coverage can sometimes limit your future care options (like only cover certain nursing homes).  Plus, sometimes you're even required to liquidate certain assets.

Types of Long-Term Care Insurance

Traditional LTC 

The oldest form of LTC, and often referred to as "if you don't use it, you lose it" policy.  Typically funded through continuous systematic premiums to fund a much higher balance that can be utililized for qualified LTC expenses, if 2 of 6 'assisted daily living' criteria is met.

Asset Based LTC 

The most popular type of LTC, typically funded through an asset such as an annuity, life insurance or cash.  The "asset based" aspect combats the concern that "if you don't use it, you lose it" concern.  With these policies, you control the asset.

Life with LTC Rider 

A life insurance policy with an attached rider which covers LTC expenses.  This type of policy is more life insurance directed but can provide substantial benefits towards a potential LTC need.  Most commonly funded through continuous premiums.

What is Long-Term Care?

The options for long-term care plans are confusing, and the stakes for your physical, emotional, and financial future are too high to feel uncertain about your decisions.

What's covered?

Where is care covered?

Custodial Care

Your Home

Skilled and Unskilled Care

Adult Day Care

Nursing Care

Nursing Home

Therapy Care (occupational, speech, physical)

Assisted Living Facilities

Nursing Care

Help with Personal Care (dressing, bathing, meal preparation, light housework)

Hospice Care

Special Care Facilities

Adult Family Homes

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Too many options exist which is both good and bad, and the stakes for you and your loved ones are too high to feel uncertain about your decisions.


Since 2005, we've advised thousands of clients and advisors alike on their options.  

Contact Us to schedule an appointment to discuss  your options.

You and your loved ones deserve to feel confident about the future, and you can have the security of knowing you have the right financial protection in place.