Plan for care before you need it
Most people want to get care at home if they ever need it. Medicare covers only limited, short-term skilled care. It doesn't pay for most long-term help with daily living. I'll show you the options for protecting your savings and your choices.
Ways to cover future care
I'll match the right option to your age, health, budget and what you want to protect.
Home health care coverage
Helps pay for aides, nursing visits and help with daily activities at home, so you can stay where you're comfortable.
Traditional long-term care
Coverage for care at home, in assisted living or in a nursing home, with benefits you choose up front.
Life insurance with care benefits
Hybrid policies that pay for care if you need it, or pay a death benefit to your family if you don't.
Short-term care
Affordable coverage for shorter stays and recovery, with simpler health questions.
Review my current policy
Got a premium increase letter? I'll explain your options, such as adjusting benefits to keep coverage affordable.
Annuities with care features
Some annuities can increase payments if you need long-term care. Worth a look if you have savings set aside.
The best time to plan is while you're healthy
Long-term care coverage is based on your health when you apply. Most people look into it in their 50s and 60s, when it's easier to qualify and premiums are lower.
A review covers
- What care could cost where you live
- What Medicare and your current coverage will and won't pay
- Options that fit your budget, side by side
- How to protect savings for your spouse or family
Request a long-term care or home health care review
Tell me a little about what you're planning for. I'll follow up within one business day to talk through options. No cost and no obligation.
Please don't include detailed medical information here. We'll go over anything needed privately by phone.
Thank you, .
I've received your request and will reach out within one business day, at the time you picked.
Call or textLong-term care questions
Doesn't Medicare pay for long-term care?
Medicare covers short-term skilled nursing or home health care after certain conditions are met. It doesn't cover long-term custodial care, such as ongoing help with bathing, dressing or eating. That's the gap long-term care coverage fills.
What's the difference between home health care and long-term care?
Home health care is care delivered in your home. Long-term care is the broader term for ongoing help, wherever it's given: at home, in assisted living or in a nursing home. Many policies cover all three.
My long-term care premium went up. What can I do?
You have options, such as adjusting the daily benefit, benefit period or inflation option to keep the premium manageable. I'll walk through your company's choices with you.
What if I'm already in my 70s?
There are still options, such as short-term care and hybrid policies. A quick review will show you exactly what's available to you.