Long-Term Care Insurance
Long-Term Care: A Plan for Life’s Stormier Seas
When it comes to aging, uncertainty is the one thing we can count on. Long-term care planning helps you face it with confidence and dignity.
Shine Light on the Real Need
Most people don’t plan to need long-term care. But statistics tell a different story — nearly 70% of us will require some form of assistance with daily living as we age.
That care might last for months or for years, and the costs can easily exceed $80,000 per year depending on where you live and the type of care you need.
The goal isn’t to predict the future — it’s to make sure you and your family aren’t unprepared for it.
The Purpose of LTC Insurance
Long-Term Care (LTC) Insurance is designed to protect your income, your assets, and your family relationships from the financial strain of extended care.
It can help pay for:
- Home health care
- Assisted living
- Memory care or skilled nursing
- Adult day programs or respite care
And it ensures that your care choices remain your own — not dictated by what’s cheapest or who happens to be available.
Modern LTC Solutions Have Evolved
Today’s options go far beyond the old “use it or lose it” policies. You can now choose from:
- Hybrid policies that combine LTC benefits with life insurance or annuities,
- Shared-care plans for couples, and
- Flexible benefit structures that fit your financial plan.
Our role is to help you see the landscape clearly — to match the right kind of coverage (or combination of tools) with your goals, resources, and family situation.
Our Approach
At S&S Financial, we view long-term care planning as a stewardship decision, not just an insurance purchase.
We’ll help you:
- Understand how care is delivered and paid for in the real world,
- Estimate what care might cost in your area,
- Explore coverage and funding options, and
- Build a strategy that aligns with your broader financial plan.
The right plan shines light on uncertainty and replaces it with confidence.
Ready to shine some light on your own long-term care plan?
Schedule a conversation today. There’s no pressure — just clarity.
