Planning for the Care You May One Day Need

Care Costs Are a Planning Question, Not a Surprise

Extended care needs can arise gradually or suddenly, and the costs can be substantial and long lasting. For affluent families, the question is rarely whether the expense can be met from assets, but whether it should be, and how planning can preserve choices, dignity, and the rest of the estate.

We help clients understand benefit triggers, activities of daily living, cognitive impairment, coverage settings, inflation protection, and elimination periods, so the coverage fits the kind of care you would actually want.

It is important to distinguish long term care insurance from disability income insurance, which replaces earned income, and to understand that Medicare generally does not pay for extended custodial long term care.