Protect your retirement.

Long-term care can undo decades of planning.

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Start With The Numbers

7 in 10 Americans will need long-term care. A single year can cost more than $100,000.

7 in 10

Americans turning 65 today will need long-term care at some point.

$70,751

Average cost of one year of in-home care, at 44 hours a week.

$105,921

Average year in a nursing home today - $210,760 in twenty years.

Health insurance does not cover this. Medicare barely touches it. For most families, the bill lands on savings.

The Basics

What is long-term care?

It is ongoing help with everyday tasks - not medical treatment. Care usually starts at home, long before anyone tours a facility, and it can last years.

Sometimes it builds slowly. Sometimes it starts with a single fall.

Bathing and dressing
Getting in and out of bed
Eating and preparing meals
Managing medications
Using the bathroom
Getting to appointments

Older couple sitting together by the water

The Medicare Gap

Medicare only covers up to 100 days.

After that, the cost is yours.

So how do you protect what you have built?

There are several ways to pay for care, each with real tradeoffs. Knowing the difference is where good decisions start.

Explore Your Options →

Sources

Nationwide, "Compare long-term care costs from state to state," accessed July 12, 2024. Kaiser Family Foundation, "10 Things About Long-Term Services and Supports (LTSS)," kff.org/medicaid, July 2024, updated August 2025. U.S. Department of Health and Human Services / ASPE, "Long-Term Services and Supports: Risks and Financing," 2022. KFF, "Income and Assets of Medicare Beneficiaries in 2023," kff.org/medicare. Medicare.gov, "Skilled Nursing Facility (SNF) Care" coverage guidelines. KFF Health Costs polling, "The Affordability of Long-Term Care and Support Services."