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Retirement A:
Provides a great income and lifestyle while everything is going well...

But if one spouse needs care, part-time home care, could easily cost $4,000 per month.*

And what happens to the couple's lifestyle, the still-independent spouse's lifestyle?  It's cut in HALF!


You can't make up the difference by taking more money from assets because this jeopardizes the viability of the entire financial plan.
Retirement B:
Assumes this 60-year-old couple purchased basic, affordable LTC insurance that costs $4,400 per year ($367/month) to cover both.**

If one spouse is disabled, both policies' entire premiums are waived AND it provides an EXTRA $4,000/month in tax-free benefits to pay for care.

The premium costs a few hundred dollars a month, but the benefits if one spouse needs care nearly TRIPLE the available income versus a self-funded plan!
* 5-6 hours of home care 7 days a week or 8-hours of care 5 days a week based on $23/hour.
​Genworth 2019 Cost of Care Survey
** LTC insurance benefits and premiums are provided as an example illustration only.  Not an offer of coverage.  Premiums may vary based on state of residence where purchased.  Not all carriers, plans, or features are available in every state.  See an approved illustration and Outline of Coverage for a complete coverage description including all available provisions, limitations and exclusions.  Premiums based on benefits selected, age, health, and state of issue.
I want Option B!  Send me a personalized quote
CLICK HERE to download the updated NAIC "Shopper’s Guide to LTC Insurance"
Comfort Long Term Care is an independent insurance brokerage agency specializing exclusively in LTC insurance. Agency owner, Bill Comfort, The LTCpro® is a LTC specialist celebrating 30+ years of experience since 1991! We are based in the Raleigh, Durham, Chapel Hill, North Carolina Triangle region, but we serve clients throughout NC and across the country. We also have an office in St. Louis, Missouri.
​Click here to learn more about us!
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The information on this website is for general informational and educational purposes only, and it is not intended to be a direct solicitation for the sale of any specific insurance company or policy form.  Not all policy types, options, or riders discussed in general terms on this site are available in every state.  Individual requests for specific company or policy information will be directed to a properly-licensed agent for the applicable state of residence.  For complete information about any specific coverage - including limitations and exclusions - refer to a company-specific illustration and Outline of Coverage.
  • TakeCare!
    • LTC Awareness
    • Hybrid LTC Insurance Info
    • Partnership LTC Insurance
    • Tax Guide
    • Claims
    • Glossary
  • LTC Rate Increases
  • News
  • About
    • Bill Comfort
    • Companies
    • Rinny
  • Contact