Long-Term Care Insurance
Ensure your future self has dignity, independence and comfort.
The risk of needing long-term care is real: more than half of people reaching age 65 will need care, with a median cost of $97,455 / year! That cost rises to $215,770 / year in Manhattan!*
We can help you prepare so you have good choices available. We review the options available to you in the market across a range of insurance policies that span traditional long-term care, hybrid policies and life insurance with special long-term care benefits.
We walk you through how we would think about the choices if we were in your shoes, and guide you through a discussion to help you picture your future self and identify the option that makes the most sense, given your goals and concerns.
*Source: Morningstar's 75 Must-Know Statistics About Long-Term Care: 2018 Edition
Our uniquely analytical and ethical approach makes for a truly different long-term care advisory experience.
Long-term care is a market that has had faced challenges over the years, with some carriers going out of business and others raising prices on their policyholders. We take pride in highlighting both benefits and risks and proactively filtering out policies that do not meet our high standards, so you can make a smart and informed decision.
To support your decision-making in an intellectually honest way, we also compare long-term care insurance to standing ready to pay out-of-pocket if you had to. You will have all the information to make a choice that feels right to you. We never push inappropriate products.
We'll review your options with you and help you identify a solution that best suits your goals.
Some of our clients are forward-thinking individuals who are healthy today but mindful of the risk of needing long-term care themselves in the future. They worry about either not being able to pay for it, or imposing significant strain and stress on their family to provide for that care.
Other clients come to us seeking options for their parents, because they recognize that the cost - both financial and emotional - of not having a plan in place could fall to them in the future.