Plan for care, protect your savings.
Long-term care is one of retirement's largest and most overlooked risks. The right plan helps cover the cost — and protects your savings and your family from carrying it alone.
Most people will need some form of extended care as they age — help with daily activities at home, assisted living, or nursing care. These costs are significant, and they're largely not covered by standard health insurance or Medicare. Long-term care planning addresses that gap, either through traditional LTC insurance or through hybrid life-insurance and annuity solutions that include a long-term care benefit. The goal is to protect your retirement savings — and to spare your family from becoming your unpaid caregivers by default.
Your Options
Helps pay for home care, assisted living, and nursing care.
Life or annuity policies with a long-term care benefit, so value isn't "lost" if care isn't needed.
Keeps an extended care event from draining retirement assets.
Reduces the financial and emotional load on the people you love.
Who It's For
Long-term care planning is most valuable when done early, while options are open:
Questions
Only in limited ways. Medicare may cover short, skilled care after a hospital stay, but it generally does not cover ongoing custodial care — the day-to-day help most people eventually need. That gap is exactly what long-term care planning is designed to address.
Traditional LTC insurance pays benefits if you need care, but if you never do, there's no payout. Hybrid solutions combine LTC benefits with life insurance or an annuity, so there's still value (a death benefit or accumulated value) even if care isn't needed. Each has trade-offs we can walk through.
Generally earlier than people expect. Premiums and eligibility are more favorable when you're younger and healthier, and waiting until care is on the horizon often means fewer or costlier options. Mid-50s to early-60s is a common window to plan.
Insurance and annuity products are offered through licensed professionals and affiliated brokerages, based on a suitability assessment of your needs. Product features, riders, and availability vary by state and by insurer. Guarantees are backed solely by the claims-paying ability of the issuing insurer and are not guaranteed by Lithos or any government agency. This page is educational and is not a recommendation to buy any specific product.
A conversation costs nothing and clarifies everything. Tell us where you are, and we'll show you what coordinated, layered planning can look like.