Long-term care insurance covers extended care costs that Medicare generally doesn't, while disability insurance replaces part of your paycheck if you can't work. Guy Jean sizes both before a diagnosis takes the choice away from you.
Helps cover the cost of extended care, such as a nursing home, assisted living, or in-home care, when you can no longer fully care for yourself. Medicare covers only short-term skilled nursing after a hospital stay, not ongoing custodial care.
Replaces a portion of your income if an injury or illness keeps you from working, so your household bills and savings goals stay on track while you recover.
CareScout, formerly the Genworth Cost of Care Survey, put the 2025 national median for a private nursing home room at $129,575 a year. Assisted living ran $6,200 a month, and an in-home caregiver at 44 hours a week ran $80,080 a year. Medicare pays for short-term skilled nursing after a hospital stay and stops there, so most of that lands on savings. Guy Jean sizes coverage to the gap you actually face, without over-insuring.
Long-term care insurance helps pay for extended care, such as a nursing home, assisted living, or in-home care, that Medicare generally does not cover. Disability insurance replaces a portion of your income if you become unable to work due to injury or illness.
Medicare covers short-term skilled nursing after a hospital stay, but it does not cover ongoing custodial or long-term care, which is where a dedicated long-term care policy fills the gap.
Savings meant for retirement drain fast when you cannot work for months or years. Disability insurance replaces part of your paycheck so your savings stay intact for their intended purpose.
No. Guy Jean is paid by the carrier, not by you, so comparing long-term care and disability options costs nothing out of pocket.
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