LTC Choice

11/17/2025

Myth: “My family will take care of me.” Having long-term care options can ease the emotional, physical and financial burden associated with providing care for a loved one. Bottom line?: These truths about long-term care highlight the importance of planning so we can better position ourselves and our families for the future. Ready to learn more? This Guide to Long-Term Care Planning may help: https://ow.ly/2EyQ50WUGTo

11/03/2025

Myth: “I can’t afford long-term care protection.” Good news: All bills require us to have an income, and long-term care protection can provide the income needed to cover those expenses. Many assume it’s too expensive, but it’s likely more affordable than you think — and usually less expensive than the cost of going without.

10/25/2025

10/25/2025

Myth: “Doesn’t health insurance cover long-term care expenses?” Health insurance covers medical treatments aimed at recovery; long-term care protection can cover ongoing care due to chronic illness, injury or aging.

10/20/2025

Myth: “I can pay long-term care expenses out of pocket” The truth: Self-funding can have a ripple effect on finances: • The longer care is needed, the more likely assets will be depleted • Withdrawing money in a down market can mean big losses • Generally more withdrawals = more taxable income and higher taxes • Generally higher reported income = increased Medicare premiums

10/20/2025

Myth: “I don’t need to plan for long-term care until I’m older.” The future is unpredictable: A person will never be younger or (and for most people) healthier than they are right now. Yes, older generations may need care. But cancer, strokes and accidents can happen to younger people, too. So, when’s an optimal time to plan for care? Before it’s actually need it.

09/28/2025

Let's start a conversation about your Long Term Care needs.

09/28/2025

Myth: “The government will pay for my health care.” Reality check: Programs like Medicare, Medicaid, and veteran’s benefits can help with some costs, but they have strict requirements to qualify for and limit the type and duration of services they will cover. Planning with alternative protection can provide control of care options.

09/06/2025

09/06/2025

It is essential for women to plan for Long Term Care - here's why!

09/06/2025

Some say you might need long-term care for an average of five years, but the future is unpredictable. But with lifetime LTC protection in your strategy it is covered for your lifetime.