Long-Term Care
Prepare for a possible need for care
A need for long-term care can place pressure on retirement savings and affect the people closest to you. Thinking about it ahead of time gives you an opportunity to consider how care might be paid for.
We can discuss traditional long-term care insurance and life insurance or annuity policies with long-term care benefits where appropriate. Medicare generally does not cover long-term care, so this deserves a separate conversation from Medicare coverage.
What we can discuss
-
Consider what an extended need for care could mean for your retirement income and other financial goals.
-
Review coverage designed to help pay for qualifying care, including its benefits, premiums, and eligibility requirements.
-
Explore life insurance or annuity policies with long-term care benefits, where appropriate, and understand what happens if care benefits are not used.
-
If you are considering these options, we can help identify issues to discuss with a qualified attorney. Eligibility and trust rules depend on your circumstances and applicable law.
How we help you get started
Listen
We talk about your concerns, family circumstances, and what you would want your care plan to accomplish.
Review
We consider the income, savings, and coverage you already have and how a need for care could affect your retirement plan.
Explore
We explain available long-term care coverage options, including their benefits, costs, eligibility requirements, and limitations. Questions involving Medicaid eligibility or trusts are addressed.
Stay Connected
We revisit your plan as your health, family needs, or financial circumstances change.
Let’s Work TogetherIf you're interested in working with us, complete the form with a few details about your project. We'll review your message and get back to you within 48 hours.