Helps with Daily Activities
Bathing, dressing, eating, mobility, and personal care.
Resources
Long-Term
Understand your options. Protect your future.
Long-Term
Care Guide
Understand your options. Protect your future.
Preserve your independence.
Long-term care planning is about more than preparing for the unexpected—it is about protecting the life you have built and ensuring you can age with dignity, comfort, and choice.
What Is
Long-Term Care?
Long-term care is the support you may need with daily activities because of chronic illness, disability, injury, or cognitive decline.
Care is not limited to nursing homes. It may be provided at home, in an assisted living community, through an adult day program, or in a specialized care facility.
Supports Health and Safety
Professional care that helps protect your well-being.
Provides Choices
Care options that fit your lifestyle and preferences.
Reduces Burden on Loved Ones
Helps families focus on what matters most.
Preserves Dignity
Supports aging with respect, comfort, and independence.
Common Long-Term Care Options
The right care depends on your needs, preferences, family circumstances, and budget.
In-Home Care
Receive care in the comfort of home, from personal assistance to skilled nursing support.
Assisted Living
Support with daily activities in a community setting that promotes independence.
Memory Care
Specialized care for people living with Alzheimer’s disease or other forms of dementia.
Nursing Home Care
Around-the-clock medical care and supervision for complex health conditions.
Adult Day Care
Daytime care and activities while caregivers work or receive a needed break.
Family Caregiving
Care provided by loved ones, with or without additional professional support.
Many people use a combination of care options over time.
Paying for
Long-Term Care
Planning ahead can help protect savings and preserve more choices when care is needed.
Personal Savings
Cash, investments, and retirement accounts.
Long-Term Care Insurance
Traditional policies designed to help cover care costs.
Hybrid Policies
Life insurance or annuity products with care benefits.
Annuities
Income strategies that may help prepare for care.
Medicare
Limited coverage that does not pay for most ongoing care.
Medicaid
May help eligible people who meet financial requirements.
When Should You
Start Planning?
The best time to plan is before care is needed. Starting early may provide more options, greater affordability, and more peace of mind.
Today
You may be healthier, have more options, and qualify for better pricing.
Tomorrow
Needs may change unexpectedly, making early preparation valuable.
Always
A thoughtful plan can help protect your future and the people you love.
Your future deserves a plan.
Thoughtful guidance can help.
Long-term care planning can help protect independence, preserve the lifestyle you have built, and provide greater clarity for you and your family.
Personalized Guidance
Strategies shaped around your needs and priorities.
Trusted Partnership
Clear support throughout each stage of planning.
Peace of Mind
More confidence for today, tomorrow, and beyond.
The information provided is for educational purposes only and does not constitute legal, tax, insurance, or financial advice. Please consult qualified professionals for guidance specific to your situation.
