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March/April 2026
Benefits of Long-Term Care Insurance
Long-term care (LTC) insurance offers crucial financial protection for individuals who require ongoing assistance with daily activities due to aging, chronic illness, or disability. As healthcare costs rise, LTC insurance offers significant benefits, making it an essential consideration for many.
Financial Security
LTC insurance covers expenses for services such as in-home care, assisted living, or nursing homes, which can cost $50,000 to $100,000 annually, according to 2025 estimates. Without coverage, these costs can deplete savings, burden families, and force them to rely on Medicaid, which may limit their care options. LTC insurance preserves personal assets and retirement funds, ensuring financial stability.Flexible Care Options
Policies typically cover a range of services, from home health aides to adult daycare, allowing individuals to choose care settings that suit their preferences. This flexibility supports aging in place, which 70% of seniors prefer, according to AARP data, thereby enhancing comfort and independence.Reduced Family Burden
Without LTC insurance, family members often become unpaid caregivers, leading to emotional and financial strain. LTC coverage alleviates this by funding professional care, preserving family relationships, and reducing stress. According to Bankrate, in 2025, with 46% of Americans lacking sufficient emergency savings, relying on family support is increasingly unsustainable.Tax Advantages
Premiums for qualified LTC insurance may be tax-deductible as medical expenses, subject to IRS limits based on age. For small business owners, the One Big Beautiful Bill Act (OBBBA) of 2025 enhances deductions for employerprovided benefits, potentially lowering costs for self-employed individuals or those offering LTC to employees.Why It's Important
LTC insurance is crucial for those over 50, individuals with chronic health conditions, or those with family histories of prolonged illness, as 52% of people turning 65 will need longterm care, per the U.S. Department of Health. Planning early—ideally in one's 50s—secures lower premiums and better coverage options.While not everyone needs LTC insurance, it's vital for those prioritizing financial independence and quality care. Consulting a financial advisor can clarify costs and benefits, ensuring informed decisions.
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Adan H. Diaz and Bryce McLeish offer products and services using the following business names: FRESCO Financial Advisers – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with FRESCO Financial Advisers. The information you provide us is the basis for the recommendations we make to help you meet your unique financial goals and objectives. If you experience a change in your financial situation or investment objectives, or if you wish to modify or add any restrictions concerning the management of your account, please contact us. Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
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