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Long-Term Care Insurance
A private nursing room costs over $100,000 a year. Medicare won’t cover it. What’s your plan?
Most families do not plan for long-term care; they react to it. A parent falls. A diagnosis comes. Suddenly the family is navigating a system that costs six figures a year with no coverage in place, because everyone assumed Medicare would cover it, or worse, that it would never happen to them.
The math is unforgiving. Most Americans turning 65 today will require some form of long-term care whether that’s in-home support, assisted living, or a nursing facility. The costs compound fast. Without long-term care coverage, a lifetime of savings can be depleted in a matter of years.
What do we do differently? We model both scenarios for you. What does your retirement income look like after 20 years of long-term care premiums? What does it look like paying those costs out of pocket with no coverage? When you see both numbers side by side, the decision makes itself.
GP Agency compares traditional long-term care policies, hybrid life/LTC products, and asset-based solutions across carriers. We evaluate benefit amounts, benefit periods, inflation protection, elimination periods, and premium structures, stress-testing every recommendation against your broader financial plan, so your coverage doesn’t create an unexpected financial strain.
