Free Guide · Long-Term Care

The Long-Term Care Planning Brief

70% will need it. Medicare doesn't cover it. Here's how to plan.

Long-term care is the most expensive blind spot in most retirement plans. Medicare doesn't cover extended care. Medicaid only kicks in after you've spent down your assets. The cost of waiting to plan is enormous — both in dollars and in family stress. This brief walks through the decisions.

What's inside (10 pages)

• Why 70% will need long-term care — and what it costs ($63K-$108K/yr in MI)
• Traditional LTC vs Hybrid (Asset-Based) policy comparison
• Self-insure vs insure: when each makes sense
• Medicaid planning fundamentals + Michigan rules
• The when-to-buy window (and why it closes faster than you think)
• Inflation riders and benefit period selection
• The family conversation guide