Long-Term Care &
Home-Health Solutions

Protecting your assets and maintaining your independence in retirement.

**Here's the scary truth:** The average nursing home costs over **$100,000 per year**, and Medicare won't cover long-term custodial care. Without a plan, extended care needs can wipe out a lifetime of savings in just a few years. We're here to make sure that doesn't happen to you or your family.

We provide clear, strategic planning for Long-Term Care (LTC) insurance, focusing on solutions that let you receive care where you want it most—**in the comfort of your own home.** Don't let the cost of aging steal your financial legacy. Let's build a fortress around your retirement.

"We plan for everything else in life, why would we leave the highest potential cost—our health—up to chance?"

Strategies to Secure Your Future Care

Long-Term Care (LTC) Insurance

Protects your life savings from devastating care costs.

  • **Protection:** Covers expenses for nursing homes and assisted living facilities.
  • **Funding:** Provides a pool of money specifically for custodial care needs.
  • **Eligibility:** Covers care needed when you can't perform two Activities of Daily Living (ADLs).
  • **Options:** Traditional LTC, hybrid policies (Life Insurance + LTC), and asset-based solutions.
  • **Legacy:** Preserves your retirement funds for your spouse and heirs.
Protect My Assets

Home-Health Care Supplemental

Promotes independence by covering care in your own home.

  • **Independence:** Coverage for care services delivered in your private residence.
  • **Benefits:** Some benefits are paid directly to you for flexibility.
  • **Coverage:** Services include skilled nursing care, therapy, and non-medical assistance at home.
  • **Goal:** Reduces the need to move to an institutional care setting.
  • **Customization:** Multiple plan options to fit your lifestyle and budget.
Explore Home Care Plans

Hybrid Life Insurance with LTC Rider

A policy that pays out whether you live, die, or need care.

  • **Dual Benefit:** Combines a Death Benefit with Long-Term Care coverage.
  • **Guarantee:** If you never use the LTC, your family still receives the death benefit.
  • **Control:** Premiums are often guaranteed not to increase.
  • **Simplicity:** One policy, one premium, covering two major financial risks.
  • **LTC Access:** Accelerates the death benefit tax-free to cover care costs.
See Hybrid Options

The Critical Question: Who Will Pay for Your Care?

Most people assume Medicare or standard health insurance will handle it. They won't. **Your two options are self-insure (pay with your savings) or transfer the risk (buy insurance).** Choosing to pay with savings is the fastest way to turn a six-figure retirement fund into a five-figure headache.

"70% of people turning 65 will need some form of long-term care. This isn't a maybe; it's a probability you must plan for."

Related Protections

Spousal Protection Planning

Strategies to protect a spouse from financial ruin if one partner needs care.

  • **Goal:** Prevent the healthy spouse from becoming impoverished by LTC costs.
  • **Strategy:** Utilizing shared-benefit options in LTC insurance.
  • **Support:** Ensuring the care benefit is adequate for two lifetimes, not just one.
  • **Peace of Mind:** Provides certainty for the entire family unit.
Plan for Both of Us

Estate Protection & Trusts

Legal strategies to keep your assets safe from probate and long-term care liens.

  • **Probate Avoidance:** Using Trusts to ensure assets pass quickly and privately.
  • **Asset Titling:** Structuring ownership to legally protect against Medicaid spend-down rules.
  • **Legacy Security:** Guaranteeing your wealth goes to your heirs, not to nursing home bills.
  • **Peace of Mind:** Integrated planning with legal partners for a complete solution.
Secure My Legacy

Critical Illness Supplemental Plans

Lump-sum cash benefits for major health events (Cancer, Heart Attack, Stroke).

  • **Cash Payout:** Provides a **lump-sum cash payment** immediately upon diagnosis.
  • **Flexible Use:** Use the money for *anything*—mortgage, bills, or home modifications related to recovery/care.
  • **Fills Gaps:** Covers high deductibles or lost income that LTC/Medicare misses.
  • **Simple Benefit:** A crucial extra layer of cash protection for unexpected long-term costs.
Add Cash Protection

Stop Worrying About the "What Ifs."

LTC planning is complex and depends heavily on your current health. Because premiums are determined by age and health at enrollment, **the younger and healthier you are, the lower your lifetime cost.** Don't wait until it's too late. Schedule a free consultation to review your health profile and lock in your rate.

Get a Free, Confidential Health Assessment

Knowledge Zone: The LTC Planning Basics

Custodial Care

Non-medical care required to help with Activities of Daily Living (ADLs) like bathing, dressing, and eating. This is the care LTC insurance pays for, and the type Medicare *excludes*.

Elimination Period

Similar to a deductible, this is the period (e.g., 30, 60, or 90 days) you must pay for care yourself before the LTC insurance policy begins paying benefits. Longer periods mean lower premiums.

Benefit Trigger

The condition that must be met to start receiving benefits—usually the inability to perform two or more Activities of Daily Living (ADLs) or severe cognitive impairment.

Frequently Asked Questions (FAQ)

Doesn't Medicare or health insurance cover long-term care? +

**No, this is the biggest financial misconception.** Medicare only pays for medically necessary *skilled* care (rehab after a hospital stay) and only for a limited time. It does **not** cover long-term custodial care—the day-to-day assistance needed for basic tasks—which is what LTC insurance is designed for.

What is the difference between LTC insurance and a hybrid policy? +

**Traditional LTC** is a "use-it-or-lose-it" policy: you pay premiums, and if you never need care, the money is gone. A **Hybrid Policy** is life insurance with an LTC rider. If you need care, it pays tax-free benefits; if you die without needing care, your heirs get the death benefit. It guarantees a payout one way or another.

Why is it important to buy LTC insurance when I'm younger? +

Two reasons: **cost and health.** Premiums are largely based on your age and health at the time of application. Waiting until you are older or develop health issues (like diabetes or heart conditions) can make the coverage exponentially more expensive or disqualify you completely. Buying earlier secures a lower, permanent rate.

If I need home health care, does my policy still pay? +

Yes. Both Long-Term Care insurance and dedicated Home-Health Supplemental plans cover care at home. This allows you to receive assistance with Activities of Daily Living (ADLs) and medical services in the familiar environment of your house, promoting independence and reducing stress.

Ready to Lock Down Your Independence?

It's time to build a financial plan that guarantees you receive care on your terms.

Schedule My LTC Consultation

Call us today at (660) 351-3736