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Retirement Resilience · Authority Guide

Long-Term Care Planning for Retirement Resilience

Long-term care is the largest unhedged retirement risk for most households. Plan early or self-fund deliberately.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Long-term care is the largest unhedged retirement risk for most households. Plan early or self-fund deliberately.

  • 70% of retirees need some LTC
  • Median cost: $100k/yr for nursing care
  • LTC insurance cheapest 50–60

Key takeaways

  • 70% of retirees need some LTC
  • Median cost: $100k/yr for nursing care
  • LTC insurance cheapest 50–60
  • Hybrid life/LTC for those uninsurable on stand-alone

Key strategies

  1. Strategy 1

    70% of retirees need some LTC

  2. Strategy 2

    Median cost: $100k/yr for nursing care

  3. Strategy 3

    LTC insurance cheapest 50–60

  4. Strategy 4

    Hybrid life/LTC for those uninsurable on stand-alone

Pro-tips checklist

  • Decide between LTC insurance or self-fund by age 55
  • Hybrid policies fit imperfect-health buyers

FAQ

What if I can't qualify for LTC insurance?

Self-fund with a dedicated $300k+ reserve, or use a hybrid life/LTC policy.