Many people think they won't need long-term care; however, research suggests they'll need it at some point in their life.1 And age isn't the only reason. A chronic illness or debilitating injury that keeps you from living on your own or properly caring for yourself can happen no matter how old you are. Many people also think that the costs of long-term care will be completely covered by health insurance or Medicare—but they're typically not. That's why it's important to have a plan in place. Our advisors will help you figure out the best option for you and your loved ones.
If something happens, having coverage means you'll have funds ready when you need them.
Choose where you get care
From at-home to a good facility, having a long-term care plan in place can help you afford it.
Safeguard your nest egg
Having a plan for long-term care can help make sure you won't lose a lifetime of savings.
Preserve your assets
Long-term care planning can help keep your financial legacy intact for your family, friends, or charity.
Put loved ones at ease
Those closest to you can focus on support rather than the physical, emotional, and financial burdens of your care.
Care that's there when you need it.
From nurses or health aides at your home to an assisted living facility, adult day care center, nursing home, or hospice facility, planning for your long-term care can help put you in a better position to choose what's right for you. Even if you're not the one who needs it, there's a good chance you'll need to help plan for the long-term care for a loved one.2 Find out how long the average person needs long-term care.