The Hidden Retirement
Risk Most Families Never
Plan For
Extended and long-term care is one of the biggest threats to retirement security — yet most families don’t realize the true cost until it’s happening. Our Care Planning Team helps you protect your savings, your income, and your loved ones with smart, flexible solutions.
*Source: U.S. Dept. of Health & Human Services, Administration for Community Living.
If a Long-Term Care Event Happened Tomorrow — What’s Your Plan?
Most families assume Medicare or health insurance will cover long-term care. Unfortunately, that’s not how it works.
A few years of care — whether at home, in assisted living, or in a nursing facility — can quietly drain retirement savings and permanently change a family’s financial future.
Without a plan, the impact usually falls on:
Long-term care isn’t just a health issue. It’s a retirement issue. And it’s a family issue.
LTC Is Complicated. Our Tools Are Easy.
You use digital tools to find a ride, communicate with your kids, or even order a cup of coffee. Now you can use technology to simplify one of the most complex issues families face — planning for extended and long-term care.
Click Get My Free LTC Preview to receive a direct, secure link to your personalized LTC Preview questionnaire — so we can match you with the right product, the right carrier, and a competitive price. No guessing!
What Extended & Long-Term Care Really Is
Most people believe long-term care means a nursing home. In reality, extended and long-term care covers a wide range of non-medical support services that help people live safely and with dignity when they can no longer fully care for themselves.
It’s Not Medical Care
Long-term care is primarily custodial care — help with everyday activities like bathing, dressing, eating, mobility, and supervision. Medicare and traditional health insurance generally do not cover this type of care.
It Happens at Home First
Most long-term care begins at home, often provided by a spouse, adult child, or paid caregiver. As needs increase, care may progress to assisted living, memory care, or a skilled nursing facility.
It’s a Family Event
Without a plan, the responsibility often shifts to loved ones — emotionally, physically, and financially. Long-term care decisions don’t just affect the individual; they reshape an entire family’s future.
Long-Term Care Isn’t Just a Health Issue
Extended and long-term care is a retirement issue, an income issue, and a family issue. Planning ahead isn’t about expecting the worst — it’s about protecting your independence, your savings, and the people you care about most.
Long-Term Care Is Likely — Not Rare
Extended and long-term care planning isn’t about pessimism. It’s about understanding risk early enough to stay in control. The numbers tell a story most families never see until it’s too late.
The real risk isn’t just needing care — it’s needing care without a plan. When extended care costs collide with retirement income, savings and independence can disappear faster than most people expect.
National Long-Term Care Costs (And Why Planning Matters)
Costs vary widely by state and metro area — but national medians give a realistic baseline. Care often starts at home and can change over time, which is why a plan protects your lifestyle, savings, and family.
National Median Costs (2024)
These are national median figures. Your area may be higher or lower — use the state-by-state tool below to compare.
$34 / hour
Often the starting point for care at home.
$5,900 / mo
Housing + meals + help with daily living.
$9,277 / mo
Semi-private room national median.
*Hourly services can add up quickly depending on the number of hours needed per week.
Want to See Costs in Your Area?
Compare state averages and metro-area estimates, then start a secure LTC Preview so we can help match you to the most realistic coverage options for your age, goals, and health history.
Medicare generally doesn’t cover custodial long-term care (help with daily living) unless skilled medical care is also needed.
| Care Setting | 2024 National Median | What It Usually Covers |
|---|---|---|
| Home Health Aide | $34 / hour | In-home support with daily activities and supervision. |
| Assisted Living | $5,900 / month | Housing, meals, and help with day-to-day living. |
| Nursing Home (Semi-Private) | $9,277 / month | Higher-level care, supervision, and medical support. |
Myths vs. Facts About Long-Term Care
Long-term care is often misunderstood. These assumptions can delay planning and limit options later. Here’s how the reality compares.
Medicare Will Cover Long-Term Care
Medicare is designed for short-term medical treatment — not ongoing help with daily living like bathing, dressing, or supervision.
Most Long-Term Care Is Custodial
Extended care typically involves non-medical support. This is why Medicare and traditional health insurance usually don’t cover it.
I’ll Just Pay for Care If I Need It
Costs often last for years and rise over time. Self-funding can drain retirement income faster than expected.
Planning Creates Options and Control
Early planning can help protect savings, preserve independence, and reduce financial stress on family members.
Long-Term Care Only Means a Nursing Home
Many people assume care starts in a facility, but that’s rarely the case.
Most Care Starts at Home
Care often begins with in-home assistance and progresses over time as needs change.
Medicaid Is a Backup Plan
Medicaid eligibility often requires strict asset and income limits
and can restrict care choices.
*Subject to Bed Availability
*5-Year Look Back of Asset Transfer
*Assets Can Be Recovered Even After Death.
Planning Preserves Choice and Dignity
A proactive plan can help protect assets, expand care options, and give families more flexibility.
Long-term care planning isn’t about fear. It’s about clarity — understanding how care works so you can make informed decisions while options are still available.
Care Planning Is About People — Not Policies
Long-term care decisions affect more than finances. They shape where you live, who provides care, and how much independence you keep as life changes. The right strategy isn’t about buying something — it’s about protecting choice, dignity, and family balance.
How Today’s LTC Coverage Can Multiply Your Protection
We design both traditional standalone long-term care insurance and asset-based linked-benefit strategies (using money you’ve already saved). The goal is the same: protect your independence and retirement income — and keep options open if care is never needed.
What 2×, 3×, or up to 4×+ in some designs means (plain English)
In many asset-based linked-benefit designs, a deposit or limited-pay funding can create a long-term care benefit pool that is 2×, 3×, or up to 4×+ in some designs. This isn’t a guess — it’s how the benefit pool is built.
Funding Options for Extended & Long-Term Care
Long-term care planning isn’t one-size-fits-all — and neither is how it’s funded. Many people are surprised to learn they already have assets that can be repositioned to help build meaningful long-term care benefits.
Cash Value Life Insurance
Existing life insurance cash value can often be leveraged or repositioned to help fund long-term care coverage — sometimes without increasing out-of-pocket costs.
Highly Appreciated Annuities
Certain annuities may be transferred into PPA-compliant long-term care strategies, allowing for tax-efficient growth and enhanced care benefits.
Pay-Over-Time Strategies
Many carriers allow long-term care funding to be spread over a defined period — such as 5, 10, or even 15 years — instead of lifetime premiums.
Other Assets
Retirement accounts, savings, investments, and even pension income can sometimes be coordinated to help create long-term care protection.
The right funding approach depends on your goals, assets, and timeline. The LTC Preview helps identify which strategies may fit — before any decisions are made.
We Speak Longevity — Long-Term Care Planning Is What We Do
No one should have to navigate extended care planning alone. Our process is built to educate, simplify decisions, and guide you from concept to completion.
Backed by a dedicated team of 20 long-term care product consultants, case managers, and an underwriter, you can rely on us to be with you from concept to completion.
Holistic, ethical planning centered on your goals.
Advanced LTC strategy and professional expertise.
Independent access to multiple carriers so you get the best fit —
not a one-size-fits-all product.
Next Steps
Extended and long-term care planning is highly individualized. Your independent licensed agent, backed by our LTC specialist partners, can help you understand your risks, compare solutions, and optimize your existing assets for long-term care benefits — with clarity first.
A Simple Way to See Your Options — Before Making Any Decisions
The LTC Preview helps you understand what types of coverage you may qualify for — without pressure, without paperwork, and without guessing.
Click Get My Free LTC Preview to receive a direct, secure link to your personalized LTC Preview questionnaire — so we can match you with the right product, the right carrier, and the right price. No guessing.
Answer a Few Secure Questions
Share basic information about your age, health history, and goals. This helps narrow the right category of options — with a clear starting point.
We Match You to the Right Path
Based on your answers, we identify which strategies make sense — standalone, hybrid, or asset-based — so you can focus on what fits.
Review Your Options Privately
You’ll see clear next steps and pricing paths with licensed guidance — and no obligation to move forward.
Ready for clarity? Start your LTC Preview now and we’ll help you identify the best-fit direction — before making any long-term decisions.
Protect your retirement without another monthly bill — using money you've already saved
The LTC Preview is a private, secure way to explore what coverage fits you best. No pressure, no obligation, no guesswork.
