The Long-Term Care Planning Guide
What Medicare won't tell you. Updated for 2026 with current costs, insurance options, and planning strategies.
What You Need to Know About Long-Term Care
72% of people over 65 will need some form of long-term care. Most assume Medicare will cover it. It won't. A private nursing home room now costs $129,575 per year nationally, and costs are rising nearly 4% every year.
This 18-page guide covers what long-term care actually costs in 2026, your insurance options (including the hybrid policies that have changed the market), how to protect your assets through Medicaid planning, and the tax benefits most families miss. Written in plain English by the advisors who help families plan for this every week.
- 2026 costs by state for nursing homes, assisted living, and home care
- What Medicare actually pays for (and where it stops after day 100)
- Hybrid vs traditional LTC insurance: side-by-side comparison
- Arizona ALTCS eligibility, Medicaid spend-down rules, and asset protection
- Tax deduction limits, caregiver financial impact, and a 5-point action checklist
What You'll Learn
What Care Costs by State
Nursing home, assisted living, and home care costs for Arizona, Nevada, Texas, Florida, and Illinois. See exactly what you would pay in 2026.
Hybrid vs Traditional Insurance
The LTC insurance market has changed. Hybrid policies now dominate. Guaranteed premiums, death benefits, and surrender value explained side by side.
The Caregiver Crisis
63 million Americans provide unpaid care worth $1.01 trillion per year. The lifetime financial cost of one caregiving event: $681,000.
Tax Benefits + Asset Protection
2026 IRS deduction limits by age, Arizona ALTCS Medicaid eligibility, Community Spouse Resource Allowance, and portfolio impact modeling.
Get the Full Guide
The complete Long-Term Care Planning Guide with 2026 cost data, insurance comparisons, and planning strategies. No email required. No strings attached.
18 pages. Takes about 20 minutes to read.