Long Term Care

 It’s not always a fun topic to think about, but it’s one of the most important.

If you ever faced an unexpected illness, injury, or cognitive decline, would your family know what to do? Would they have the time, resources, or money to care for you—without sacrificing their own well-being?

Long-term care planning is about protecting your future without becoming a burden to the people you love most.

• 70% of people over age 65 will need some form of long-term care in their lifetime.
• The average woman will need care for 3.7 years, while men average 2.2 years—and 20% of people will need care for 5+ years.
• The cost? It’s rising every year:
  
  • Home health aide: ~$5,100/month
  • Assisted living: ~$4,800/month
  • Nursing home (semi-private): ~$8,000/month
  • Nursing home (private): ~$9,300/month

(Sources: U.S. Dept. of Health & Human Services, Genworth 2023)

At McKale Advisory Group, we help you explore your options for long-term care in a way that fits your budget, values, and vision. Whether it’s traditional long-term care insurance, hybrid life insurance policies, or alternative strategies, we’ll walk you through what’s available—and what makes the most sense for you.

This is about having a plan before you need it, not scrambling in crisis.

• What long-term care actually includes (it’s more than just nursing homes)
• The true cost of care—now and in the future
• Insurance options vs. self-funding vs. relying on family
• How to protect your retirement income and estate from being drained by care costs
• Whether your current life insurance includes long-term care benefits

This is an educational, no-pressure conversation.

You won’t be sold anything—you’ll simply walk away more informed and better prepared.