11/20/2025
𝗟𝗼𝗻𝗴-𝗧𝗲𝗿𝗺 𝗖𝗮𝗿𝗲: 𝗧𝗵𝗲 𝗠𝗶𝘀𝘀𝗶𝗻𝗴 𝗣𝗶𝗲𝗰𝗲 𝗶𝗻 𝗠𝗼𝘀𝘁 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻𝘀
If you live long enough, you will likely need some form of long-term care, and the cost can drain even a strong retirement plan.
Here are the real numbers most people never see:
- Home health aide: ~$32/hour (40 hours/week = ~$5,500 per month)
- Assisted living facility: ~$4,500–$6,000 per month
- Nursing home (semi-private room): ~$8,300 per month
- Nursing home (private room): ~$9,500–$11,000+ per month
And the average American needing long-term care receives care for 3–5 years.
Do the math:
$8,000–$10,000 per month × 4 years = $384,000–$480,000 in care costs.
If you’re married, double it.
Without proper planning, that kind of expense doesn’t just hurt, it can wipe out decades of saving and force hard decisions on your spouse and kids. Long-term care insurance helps protect:
• Your retirement assets
• Your income plan
• Your choice of care
• Your family from overwhelming responsibility
The BIGGEST MISTAKE people make? Waiting until they actually need care. Planning early gives you more options and much lower premiums, while adding peace of mind.
If you’ve never talked about long-term care planning and want a real, no-pressure breakdown, I’m here to help!
Call now to connect with business.
