The Retirement Risk Nobody Wants to Talk About.
70% of people over 65 will need long-term care. A nursing home in Pennsylvania averages over $130,000 per year. Without a plan, that cost falls on your savings — or your family.
Schedule a Free LTC Review3 Painful Realities
Medicare Doesn't Cover It
Medicare only pays for short-term rehab (usually up to 100 days). It does not pay for custodial care or assisted living.
Medicaid Requires Spending Down
To qualify for Medicaid to pay for care, you essentially have to go broke first, leaving nothing for your healthy spouse or heirs.
Family Caregiving has Hidden Costs
Relying on children often forces them to quit jobs or sacrifice their own retirement savings to provide care.
Your 4 Options
The old "use it or lose it" LTC insurance isn't the only way anymore. We help you find the right tool for your situation.
The Cost of Waiting
LTC coverage gets more expensive every year you age, and a sudden health change can make you uninsurable overnight. Plan while you're healthy.
Traditional LTC
Pure insurance. You pay a premium, and it pays out if you need care. Often the most leverage, but premiums can increase.
Hybrid Life/LTC
A life insurance policy that lets you accelerate the death benefit for LTC. If you don't need care, your heirs get the money.
Asset-Based
Reposition an existing asset (like a CD or annuity) into a product that multiplies the value for LTC purposes.
Self-Insuring
Earmarking your own investments for care. We calculate exactly how much you need to set aside to be safe.