Hybrid LTC Planning
Protect your retirement assets from catastrophic care costs — with a money-back guarantee if you never need care.
Long-Term Care Is the Biggest Unplanned Retirement Expense
Seven out of ten people turning 65 today will need some form of long-term care during their lifetime. Whether it's home health aides, assisted living, or a nursing home, the costs are staggering — and Medicare pays for almost none of it.
Without a plan, a long-term care event can wipe out decades of retirement savings in just a few years. Medicaid will cover costs, but only after you've spent down most of your assets — leaving little for your spouse or heirs.
Hybrid long-term care insurance solves this problem by providing a dedicated pool of money for care costs, while guaranteeing that if you never need care, your premium comes back to your family as a death benefit.
The Advantages of Hybrid Coverage
Asset Protection
Protects your retirement savings from being depleted by catastrophic long-term care costs — the average nursing home stay costs over $100,000 per year.
Money-Back Guarantee
Unlike traditional LTC insurance, hybrid policies return your premium to your beneficiaries as a death benefit if you never need long-term care.
Flexible Care Options
Benefits can be used for home care, assisted living, memory care, or nursing home care — giving you and your family flexibility.
Traditional LTC vs. Hybrid LTC
| Feature | Traditional LTC | Hybrid LTC |
|---|---|---|
| Premium stability | Premiums can increase | Fixed premiums |
| If you never use it | Lose all premiums paid | Death benefit to heirs |
| Underwriting | Medical exam often required | Simplified underwriting |
| Premium payment | Annual ongoing | Single or flexible |
| Inflation protection | Optional rider | Built-in options |
Hybrid LTC Questions
Protect Your Retirement from Long-Term Care Costs
Deborah will compare hybrid LTC options from multiple carriers and design a plan that protects your assets.