{"id":2194,"date":"2024-05-27T20:33:20","date_gmt":"2024-05-27T20:33:20","guid":{"rendered":"https:\/\/www.gunderwealth.com\/?p=2194"},"modified":"2024-05-28T19:44:18","modified_gmt":"2024-05-28T19:44:18","slug":"long-term-care","status":"publish","type":"post","link":"https:\/\/www.gunderwealth.com\/long-term-care\/","title":{"rendered":"Long-Term Care: How To Plan"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/www.gunderwealth.com\/wp-content\/uploads\/2024\/05\/Untitled-design-1.png&#8221; alt=&#8221;Long-Term Care LTC&#8221; title_text=&#8221;Long-Term Care LTC&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;on&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.25.1&#8243; max_height=&#8221;800px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.25.1&#8243; ul_line_height=&#8221;1.7em&#8221; header_line_height=&#8221;1.5em&#8221; header_3_line_height=&#8221;1.5em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>No one wants to discuss it.<\/p>\n<p>No one wants to save for it.<\/p>\n<p>But most admit they may need some sort of care.<\/p>\n<p>How do you plan for it?<\/p>\n<p>Let\u2019s address four questions related to long-term care.<\/p>\n<h3><strong>What is long-term care (\u201cLTC\u201d)?<\/strong><\/h3>\n<p>Definition: medical and non-medical care provided to individuals unable to perform basic activities of daily living such as dressing or bathing.<\/p>\n<h3><strong>How much does LTC cost?<\/strong><\/h3>\n<p>The cost varies depending on:<\/p>\n<ul>\n<li>The level of LTC (desired or required),<\/li>\n<li>The location of the LTC, and<\/li>\n<li>The duration of LTC.<\/li>\n<\/ul>\n<p>The national annual averages in today\u2019s dollars are on the left, with a projected cost 30 years from today (inflated at 5%) on the right:<\/p>\n<ul>\n<li><strong>Assisted living<\/strong> &#8211; $64,000 \/ $264,000<\/li>\n<li><strong>In-home care<\/strong> &#8211; $68,000 \/ $283,000<\/li>\n<li><strong>Nursing home<\/strong> &#8211; $117,000 \/ $481,000<\/li>\n<\/ul>\n<p>While these are \u201caverages,\u201d the cost varies quite a bit depending on where you live!<\/p>\n<h3><strong>How can you protect yourself?<\/strong><\/h3>\n<p>Long-term care is one of the most complex risks to protect against because of:<\/p>\n<ul>\n<li>The uncertainty of your health, and<\/li>\n<li><em>ALL<\/em> of the options are expensive.<\/li>\n<\/ul>\n<p>Here are three ways to think about it:<\/p>\n<p><strong>LTC Insurance<\/strong> \u2013 Consider this comparable to term life insurance but for LTC.<\/p>\n<p>You pay annual premiums to secure a specific monthly benefit should you require long-term care.\u00a0 If you don\u2019t use it, you lose it.\u00a0 These policies are expensive and narrow in scope due to significant changes in how insurance companies now price these policies.<\/p>\n<p><strong>LTC Combination Insurance (\u201ccombo\u201d)<\/strong> \u2013 Combo policies are more prevalent as of late due to the flexibility of these policies, which come in two flavors:<\/p>\n<ul>\n<li>Hybrid LTC \u2013 This provides long-term care benefits and a modest death benefit. The LTC benefits often contain an inflation-protection feature.<\/li>\n<li>Life Insurance with LTC riders \u2013 The focus here is on life insurance with specific LTC riders that kick in should you need it.<\/li>\n<\/ul>\n<p><strong>Self-Insure<\/strong> \u2013 Forgo the above options and use your accumulated assets to fund associated expenses.<\/p>\n<h3><strong>When should you start thinking about LTC?<\/strong><\/h3>\n<p>It\u2019s never too early to incorporate long-term care into your financial planning. However, your views of what this looks like for you may evolve.\u00a0 Some questions to consider include:<\/p>\n<ul>\n<li>Do you want in-home care, or are you okay with a facility?<\/li>\n<li>Do you want to rely on family members as caregivers?<\/li>\n<li>What expenses go away if you move into a facility (i.e., property taxes, travel, etc.)?<\/li>\n<\/ul>\n<p>Securing LTC insurance early on may result in making \u201ctoo many\u201d payments, while waiting too long can result in significantly higher premiums, potentially pricing you out of the market.<\/p>\n<p><strong>Perhaps the best approach to long-term care planning is prevention<\/strong>.\u00a0 Consider incorporating a wellness line item into your budget, but instead of classifying it as an expense, view it as an investment.\u00a0 Check out our blog, <a href=\"https:\/\/www.gunderwealth.com\/health-and-wealth\/\">Health &amp; Wealth,<\/a> which discusses the parallels between financial planning vs. wealth planning, for more on this concept!<\/p>\n<p>Let us know if you need help understanding these long-term care concepts. Feel free to book some time with us <a href=\"http:\/\/www.gunderwealth.com\/contact\">here<\/a>.<\/p>\n<p><em>Please consult with your financial advisor and\/or tax professional to determine the suitability of these strategies. <\/em><em>All views, expressions, and opinions in this communication are subject to change. This communication is not an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services.<\/em><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>No one wants to discuss it. No one wants to save for it. But most admit they may need some sort of care. How do you plan for it? Let\u2019s address four questions related to long-term care. What is long-term care (\u201cLTC\u201d)? Definition: medical and non-medical care provided to individuals unable to perform basic activities [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2195,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\r\n<p>Welcome to WordPress. This is your first post. Edit or delete it, then start writing!<\/p>\r\n<!-- \/wp:paragraph -->","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[22],"tags":[250,251,252,249],"class_list":["post-2194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technical","tag-long-term-care","tag-long-term-care-insurance","tag-long-term-care-planning","tag-ltc"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Long-Term Care: How To Plan - Gunder Wealth Management<\/title>\n<meta name=\"description\" content=\"What&#039;s the BEST way to plan for long-term care? You have options, but they come with a lot of uncertainty. 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