As long-term care costs rise and coverage remains scarce, employers are exploring workplace LTC benefits as a potential solution. Industry experts weigh in on growing demand, carrier response, and why LTC is becoming top of mind for today’s workforce.
Stop Talking About Nursing Homes - Focus on Home Care
When it comes to long-term care planning, too many conversations start with the most frightening scenario: the cost of a nursing home. But as this whitepaper explains, that approach misses what most people actually want. No one plans to go to a nursing home. What clients really want is to stay at home for as long as possible—and planning should start there.
The Other Long-Term Care Insurance Benefit: Time
When people think about long-term care insurance (LTCi), they often focus on dollars—daily benefits, monthly payouts, and how long coverage lasts. But as this whitepaper explains, there’s another powerful benefit many overlook: time. Even when an LTC benefit period is limited to a few years, the coverage can still play a critical role in protecting families and assets.
Always Strive to Become Better : A story that leads to passion
Some of the most powerful lessons in long-term care planning come from real life. This article shares the deeply personal story of Marilyn, a generous, hardworking elementary school teacher who saved diligently for retirement—only to face a devastating reality when cognitive decline began shortly after she retired. What started as small memory lapses quickly progressed into a need for memory care and eventually skilled nursing care, draining 40 years of savings in just 3½ years and placing enormous strain on her family.