Long-Term Care Insurance
Don't Let Care Costs Drain Your Life Savings
70% of people turning 65 will need some form of long-term care. Without a plan, those costs — often $6,000–$9,000 per month — fall entirely on your savings and your family. The right policy changes everything.
The Retirement Risk Most People Ignore
Health insurance and Medicare cover acute medical care — but they don't cover the extended, ongoing care that comes with aging: home health aides, assisted living, memory care, or nursing home stays. That gap can cost hundreds of thousands of dollars.
Long-term care insurance is how you protect the retirement savings you've spent a lifetime building — and spare your family from becoming your caregivers. Sherry Branda helps you find the right solution before you need it, when premiums are still affordable.
70%
of people turning 65 will need some form of long-term care
$7,908
average monthly cost of a private nursing home room
3 years
average duration of a long-term care need
Coverage Options
Three Ways to Fund Long-Term Care
There's no single right answer — the best approach depends on your age, health, assets, and goals. Sherry will help you find the fit.
Traditional LTC Insurance
Dedicated coverage at the lowest premium
A standalone policy that pays a daily or monthly benefit for qualifying care needs — home health, assisted living, or nursing home. Premiums are typically lowest when purchased in your 40s or 50s while in good health.
Best for
- Those who want the most coverage per premium dollar
- People in their 40s–50s who can lock in low rates now
- Anyone who wants a dedicated, purpose-built policy
Hybrid Life/LTC Policies
Coverage that's never wasted
Combines life insurance with a long-term care rider. If you never need care, your beneficiaries receive a death benefit. If you do need care, the policy funds it. The premium is never 'wasted' — it always pays out one way or another.
Best for
- Those who want a guaranteed return on their premium
- People who want both life insurance and LTC in one policy
- Anyone concerned about paying premiums for coverage they may never use
Annuity-Based LTC
Reposition existing assets into care funding
Uses an annuity as the funding vehicle for long-term care benefits. A smart option for those with existing savings they want to reposition into a care-funding strategy — often with favorable tax treatment.
Best for
- Those with existing savings or CDs to reposition
- People who prefer a single lump-sum premium
- Anyone looking for tax-efficient care funding
Why Plan Now
The Best Time to Plan Is Before You Need It
Premiums Rise With Age
LTC insurance is significantly more affordable in your 40s and 50s than in your 60s or 70s. Waiting costs more — and health issues can make you uninsurable.
Medicare Won't Cover It
Medicare covers short-term skilled nursing care after a hospital stay — not the extended custodial care most people need. Don't assume you're covered when you're not.
Protect Your Retirement Savings
Without coverage, long-term care costs come directly out of your retirement accounts, home equity, and savings — potentially wiping out decades of careful planning.
Spare Your Family
Without a plan, the burden of caregiving — financial and physical — falls on your spouse, children, or other family members. LTC insurance gives everyone a better option.
Who Should Consider It
Long-Term Care Planning Is for Everyone
Pre-Retirees in Their 50s
The sweet spot for LTC planning. You're still healthy enough to qualify, premiums are manageable, and you have time to build a solid strategy before retirement.
Couples Planning Together
If one spouse needs care, the financial and emotional toll on the other can be devastating. A joint or shared-benefit policy protects both of you.
Those With Assets to Protect
If you've built meaningful retirement savings, a home, or a business, LTC insurance is what keeps a care event from undoing all of it.
Anyone Who Values Independence
LTC insurance isn't just about money — it's about having choices. It means you can receive care at home, in a facility of your choosing, on your terms.
Let's Build Your Long-Term Care Strategy
Sherry Branda will walk you through your options, help you understand what Medicare does and doesn't cover, and find the right policy for your situation — before you need it.