Plan for Tomorrow, Today
Long Term Care
Our Long-Term Care planning services are designed for California residents between ages 50-75 who want to protect their retirement savings from the cost of future care. Whether you're in good health and planning ahead, or a recent health scare made the issue feel more immediate, we can find a strategy that fits your situation. We also work with veterans who may qualify for Aid and Attendance benefits, and with families navigating care decisions for a parent or spouse.
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A Guide to Secure Coverage
How it Works
Our process is designed to simplify the complex world of long term care planning.
Step 1
Understand your specific long term care needs and financial situation.
Step 2
Review various care plans, including traditional, asset-based, and hybrid options.
Step 3
Select the plan tailored to your needs, ensuring it provides adequate coverage.
Step 4
Receive continuous guidance and plan adjustments as your needs evolve.
01
Asset-Based Planning
Instead of paying ongoing premiums, you reposition money you already have into a plan that multiplies its value for care costs, generating 2-5x your original amount in long-term care benefits while keeping you in full control of your money. This strategy works well for retirees with accumulated savings, a CD, or a low-yielding annuity that isn't actively working for them. Our specialists will show you exactly what repositioning your assets could look like.
02
Traditional LTC Planning
Traditional long-term care insurance is a straightforward monthly or annual premium in exchange for a defined benefit that pays out when care is needed. It remains a strong option for people in their 50s and early 60s who are in good health, since premiums are significantly lower when purchased earlier and underwriting is easier to pass. With access to 300+ carriers, our specialists shop the full market to find the most competitive rate for your age, health profile, and coverage needs.
03
Hybrid Planning
Hybrid plans combine a life insurance policy with long-term care benefits, solving the biggest objection most people have to buying coverage: the fear that premiums are wasted if care is never needed. With a hybrid plan, that concern disappears. If you need care, the benefit pays for it. If you don't, the full death benefit passes to your beneficiaries. This flexibility makes hybrid planning a practical middle ground for people who want coverage but aren't comfortable committing to a traditional policy they may never use.
04
Aide and Attendance
Our Aid and Attendance service is designed to help veterans get the monetary assistance they need. If you’re a veteran seeking to apply, our team will help you get the best rate you deserve with our Aide and Attendance service.
05
Discount Hour Programs
Long term care can often be expensive. To help alleviate expenses, we offer Discount Hour Programs so you don’t need to sacrifice the care you need for your finances.
06
Emergency Response Planning
Emergency situations require immediate and effective responses, especially as we age. Our Emergency Response Planning service is designed to integrate seamlessly with your long-term care plan, ensuring that you have immediate access to care when you need it most. This service includes the setup of medical alert systems, emergency protocols, and coordination with local emergency services to provide rapid assistance, keeping you safe and supported in any urgent situation.
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Quick answers to questions you may have. Can't find what you're looking for? Get in touch with us.
Asset-based long term care planning involves using your existing assets to fund a care plan that provides coverage multiples higher than the investment, ensuring your funds are used efficiently while retaining control.
Hybrid long term care plans combine life insurance with long term care benefits, providing flexibility as they offer a death benefit alongside long term care coverage, which can be used if care is needed or left to beneficiaries.
Veterans may qualify for Aid and Attendance benefits, which provide additional monetary amounts to those who need regular aid and attendance by another person, helping cover the costs of long term care.
Yes, long term care plans can often be adjusted to better fit changing needs or circumstances. Our team ensures your plan remains the best fit through regular reviews and updates.
Medicare does NOT cover custodial long-term care. It covers up to 100 days of skilled nursing only after a 3-day hospital stay, with a daily copay after day 20 and no coverage after day 100.
Medi-Cal pays for roughly 60% of nursing home costs in California. Asset limits were eliminated in January 2024. However, income limits and estate recovery rules still apply. Private planning can protect assets and preserve more care choices.
Traditional LTC insurance requires underwriting, and some conditions may affect eligibility or pricing. Asset-based plans often have more flexible underwriting. ALS's access to 300+ carriers means they can shop for the best fit even for clients with health history.
At $12,000+/month, savings can deplete quickly without a plan. Medi-Cal has estate recovery rules that may seek reimbursement from your estate. Planning ahead with private LTC coverage helps protect assets for a spouse or heirs.
We recommend starting between ages 50–60 while premiums are lower and health underwriting is easier to pass. Asset-based and hybrid plans can be structured at any age where assets exist to fund them. Waiting until age 70 significantly increases cost and reduces options.
Aid and Attendance is a VA benefit providing additional monthly income to veterans (and surviving spouses) who need help with daily activities. It can help pay for in-home care, assisted living, or nursing home care. ALS has specialists who help veterans navigate the application and maximize the benefits they're entitled to.
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Get Expert Care Planning Advice
Fill out this form to schedule a consultation and explore your long term care options.