Don't Let Care Costs Wipe Out a Lifetime of Savings

Nursing homes, assisted living, and in-home care can cost $8,000–$12,000 a month — and Medicare won't cover extended care. Long-term care insurance protects your savings, your independence, and your family.

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The Hidden Retirement Risk

The Cost Most Families Never Plan For

Roughly 7 in 10 people over 65 will need some form of long-term care. Yet most families have no plan for it — and are shocked to learn that Medicare only covers short-term skilled care, not extended nursing home or in-home care.

Without protection, these costs come straight out of your savings, potentially draining everything you worked for and leaving your spouse or children to cover the rest. Long-term care insurance is designed to prevent exactly that.

✓ Protect your retirement savings and your home
✓ Preserve your independence and choice of care
✓ Relieve your family of the financial and caregiving burden
✓ Cover in-home care, assisted living, and nursing facilities

What It Covers

Care Where and When You Need It

Long-term care insurance gives you options and protects what you've built.

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In-Home Care

Covers help with daily activities at home — the option most people prefer — from a professional caregiver or home health aide.

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Assisted Living

Covers the cost of assisted living facilities that provide housing, meals, and personal care support.

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Nursing Home Care

Covers skilled nursing facilities for those who need round-the-clock medical care and supervision.

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Memory Care

Covers specialized care for Alzheimer's and dementia — among the most common and costly long-term care needs.

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Asset Protection

Keeps care costs from draining your retirement savings, protecting your legacy and your spouse's security.

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Hybrid Policies

Newer options combine life insurance with long-term care benefits — so your premium isn't "wasted" if you never need care.

Questions

Long-Term Care FAQ

The questions families ask most about planning for care costs they hope they'll never need.

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No — this is the most common and costly misconception. Medicare only covers short-term skilled nursing care under specific conditions, typically up to 100 days. It does not cover extended nursing home stays, assisted living, or ongoing in-home custodial care. Those costs fall to you unless you have long-term care insurance or qualify for Medicaid after spending down your assets.

The best time is your 50s to mid-60s. Premiums are based on your age and health when you apply, so waiting means higher costs — and if your health declines, you may not qualify at all. Buying earlier locks in lower rates while you're still insurable.

That's a valid concern with traditional policies. That's why many people now choose hybrid policies that combine long-term care with life insurance — if you never need care, your beneficiaries still receive a death benefit, so the money isn't lost. We'll walk you through both options.

It varies widely based on your age, health, the benefit amount, and policy type. The key is that the premium is a small fraction of what a single year of care can cost. We help you find a policy with meaningful coverage that fits your budget, and a consultation is free.