Why long-term care matters
Roughly 70% of people over 65 will need some form of long-term care. Medicare covers very little of it, and care costs - $6,000–$10,000+ per month in Arizona - can quickly drain retirement savings. Our sister practice, GSSCare Solutions, specializes in short-term recovery, home care, and long-term care strategies.
Modern hybrid solutions
Hybrid life/LTC policies combine a death benefit with LTC benefits - if you don't use the care, your family still receives a payout. This solves the classic 'use-it-or-lose-it' objection to traditional LTC insurance.
Short-term care alternatives
For ages 60–80 who can't qualify for or don't want full LTC coverage, short-term care policies (90–360 days of benefits) provide affordable, simplified-issue protection for the most common care events.
Common questions
Your 50s and early 60s are typically the sweet spot for pricing and approval. After 70, options narrow quickly.