Long-term care covers what Medicare does not.

Long-term care covers a variety of services designed to meet a person’s health or personal care needs for varying periods of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own. Long-term care insurance covers the gaps left by Medicare.

Why it belongs in the plan

Of the four major risks in retirement, this is the one that arrives without warning and does not negotiate. It is what turns a solid plan into a sold house.

• Medicare pays for short, skilled recovery — not for years of daily help
• Care costs land on the household that is already drawing an income
• Without cover, the money usually comes out of the assets meant to last

What we look at

• What care in the Houston area actually costs today
• Whether standalone long-term care cover or a rider on another policy fits better
• How a claim would interact with the rest of your retirement income
• What happens to the surviving spouse

Get started

Call 281-459-0023 and ask for the complimentary financial analysis. See also everything we handle.