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Women often outlive men. Here’s how they should approach their long-term care needs
The Longevity and Care Disparity Women face a disproportionately high financial risk in retirement due to longer life expectancies and extended long-term care needs. According to data, 26% of women will require long-term care—defined as assistance with daily living tasks like bathing and dressing—for more than five years, compared to just 17.5% of men. Because…
Medicare Costs Are Rising in 2026. What It Means for Your Health and Long-Term Care Options
This article originally appeared on LTC News. by Washington Bureau Many adults on Medicare or who are approaching retirement assume Medicare will cover most of their health and long-term care needs. The Centers for Medicare and Medicaid Services (CMS) has released the official Medicare premiums, deductibles, and cost-sharing amounts for 2026. These increases affect doctor…
Aging, Frailty, and the Tipping Point for Long-Term Care
This article originally appeared on LTC News. by James Kelly Interestingly enough, many people are unable to see themselves with declining health. According to a 2025 University of Michigan National Poll on Healthy Aging shows that many Americans over 50 are heading into older age unprepared, including lacking awareness of how their health may decline…
What Does Dave Ramsey Say About Long-Term Care Insurance?
This article was originally published on LTC News website Dave Ramsey hosts a national radio show and is an author and personal finance expert. Dave’s goal is to help his listeners and readers prepare for retirement and be financially sound. Ramsey understands being prepared for a future successful retirement includes a plan for the costs…
How Many People Even Know About Long Term Care Insurance?
Unfortunately, not many people are aware of long-term care insurance. While it’s a crucial financial tool, it often gets overlooked in retirement planning discussions. Would it surprise you to know that long term care insurance emerged in the late 1970s and early 1980s in the United States. Initially, it was primarily marketed as nursing home…
The Importance of Working with an Independent Broker
Long-Term Care Insurance (LTCi) is a specialized field of insurance. It’s ever-changing, and – to do it right – requires specialized knowledge and specific ongoing education. That’s why many agents and advisors don’t bring it up to clients. If they do, they frequently only offer one company as a solution. Premiums can vary considerably for…
I Don’t Want You to Be Rejected!
No one wants to buy flood insurance – until the flood happens! Similarly, many people discover how important long term care insurance is when they receive a difficult diagnosis or have a health decline. It’s very difficult all the way around when I talk to someone who could’ve easily qualified for a policy a year…