Long-term care insurance helps pay for the cost of nursing homes, assisted living, and in-home care, protecting your retirement savings from being wiped out by care expenses.
Long-term care costs are rising fast, and Medicare covers less than 9 percent of nursing home expenses nationwide. The belt-and-suspenders approach is to purchase coverage while you are healthy enough to qualify and make sure you receive every benefit you are entitled to under Medicare and Medicaid.
We help you evaluate traditional policies, hybrid policies that combine life insurance with long-term care benefits, and partnership policies that offer additional asset protection. We coordinate every recommendation with your overall financial and estate plan.
About 70 percent of people over 65 will need some form of long-term care. Medicare does not cover it. The question is not whether to plan for it, but how.
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