{"id":8,"date":"2025-12-30T18:44:12","date_gmt":"2025-12-30T18:44:12","guid":{"rendered":"https:\/\/sensible-yellow-boar.192-251-239-74.cpanel.site\/?page_id=8"},"modified":"2026-02-17T00:46:32","modified_gmt":"2026-02-17T00:46:32","slug":"retirement-ltc","status":"publish","type":"page","link":"https:\/\/retirementltc.com\/","title":{"rendered":"Retirement LTC"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"280\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/FinalLogo.jpg\" alt=\"\" class=\"wp-image-83\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/FinalLogo.jpg 360w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/FinalLogo-300x233.jpg 300w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"880\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/FRONT-1024x880.jpg\" alt=\"\" class=\"wp-image-12\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/FRONT-1024x880.jpg 1024w, https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/FRONT-300x258.jpg 300w, https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/FRONT-768x660.jpg 768w, https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/FRONT.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-neve-link-hover-color-color has-text-color has-link-color has-large-font-size wp-elements-71d6b6b976483eac070e44686a20cb63\">Are you retiring or already in retirement?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"554\" height=\"506\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/bed-ridden2.jpg\" alt=\"\" class=\"wp-image-84\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/bed-ridden2.jpg 554w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/bed-ridden2-300x274.jpg 300w\" sizes=\"auto, (max-width: 554px) 100vw, 554px\" \/><\/figure>\n<\/div>\n\n\n<p>Are you aware that you can leverage your Qualified Retirement Funds to avail yourself of the Long-Term Care coverage?<\/p>\n\n\n\n<p>Statistics show that a person turning 65 today has almost 70% chance of needing some type of Long-Term Care, Home and Assisted Care services and support in their remaining years.<\/p>\n\n\n\n<p>The good news is current solutions are available through Asset Based Long-Term Care coming from Qualified Funds, IRA\u2019s, 401k\u2019s, 403b\u2019s and others. Non-Qualified funds such as money sitting in the bank, CDs, etc. can also be used to buy Long-Term Care.<\/p>\n\n\n\n<p>Aside from these solutions, Traditional Long-Term Care is available as an option for your Long-Term Care needs.<\/p>\n\n\n\n<p>It is important to know that Medicare does not provide or cover most Long-Term Care coverage unless medical care is needed. Long-Term Care is vital for making sure that adults can always live a rich and happy active life, no matter how their health needs may change in time.<\/p>\n\n\n<hr>\n\n\n<p><center>\n<p><iframe loading=\"lazy\" width=\"585\" height=\"338\" src=\"https:\/\/www.youtube.com\/embed\/4CZLFLp0ZoQ\" title=\"The Great Wealth Transfer\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen=\"\"><\/iframe><\/p><\/center><\/p>\n\n\n<hr>\n\n\n<h2 class=\"wp-block-heading has-neve-link-hover-color-color has-text-color has-link-color wp-elements-56c03460ee26db72db8dec07eb7294c0\">Asset Based Long-Term Care Insurance Policies<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"554\" height=\"510\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/GoodNews.jpg\" alt=\"\" class=\"wp-image-15\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/GoodNews.jpg 554w, https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/GoodNews-300x276.jpg 300w\" sizes=\"auto, (max-width: 554px) 100vw, 554px\" \/><\/figure>\n<\/div>\n\n\n<p>There are several benefits to individuals who are planning for their Long-Term care needs. One of the primary benefits is to provide peace of mind.<\/p>\n\n\n\n<p>Knowing that having the coverage in place can help you feel more secure about the future and the ability to pay for Long-Term Care services when that time comes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Asset Based Long-Term Care has been available in the marketplace for 35 years<\/li>\n\n\n\n<li>Offered by a mutual insurance company with an A+ superior from AM Best rating<\/li>\n\n\n\n<li>Retirement LTC is here to help secure peace of mind for you and your loved ones<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><hr><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-neve-link-hover-color-color has-text-color has-link-color wp-elements-02133fecc07ca3715d133cac862c71d3\">Myths vs. Facts<\/h2>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading\">Myth #1: \u201cA government program will take care of me.\u201d<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Government programs are tough to qualify for.<\/li>\n\n\n\n<li>Public programs like Medicare, Medicaid and veterans\u2019 services may help pay for some LTC services in certain circumstances. Yet programs have very specific rules.<\/li>\n\n\n\n<li>When Medicaid does pay someone\u2019s LTC costs, federal law requires states to recover money spent from the person\u2019s estate.<\/li>\n\n\n\n<li>Government programs are limited by availability and financial resources.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"216\" height=\"171\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/hassle.jpg\" alt=\"\" class=\"wp-image-19\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading\">Myth #2: \u201cI can save the money I\u2019ll need for LTC services.\u201d<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Long-term care services can be very expensive.<\/li>\n\n\n\n<li>These costs are a huge financial risk to older adults\u2019 retirement dollars.<\/li>\n\n\n\n<li>Those who plan to pay LTC expenses could quickly wipe out their lifetime savings. The avg. cost for a 1 year stay in a private nursing home is $83,580.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"216\" height=\"171\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/Sorry.jpg\" alt=\"\" class=\"wp-image-18\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading\">Myth #3: \u201cOnly old people need LTC services.\u201d<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Among adults age 65 and older, about 70 percent need some help with the activities of daily living as they age.<\/li>\n\n\n\n<li>It\u2019s wise to look into LTC protection before services are needed for two primary reasons: Cost and need.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"554\" height=\"506\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/young2.jpg\" alt=\"\" class=\"wp-image-85\" style=\"aspect-ratio:1.0948698352223496;width:216px;height:auto\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/young2.jpg 554w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/young2-300x274.jpg 300w\" sizes=\"auto, (max-width: 554px) 100vw, 554px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading\">Myth #4: \u201cI don\u2019t need separate LTC protection because I have health insurance.\u201d<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>LTC protection is not the same as health insurance.<\/li>\n\n\n\n<li>Health insurance helps pay for medical care only.<\/li>\n\n\n\n<li>LTC benefits help support costly LTC services.<\/li>\n\n\n\n<li>LTC services generally are required by those with chronic, progressive illnesses, accidents or advanced aging.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"216\" height=\"171\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2025\/12\/covered.jpg\" alt=\"\" class=\"wp-image-23\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading\">Myth #5: \u201cLTC protection pays for nursing home care only.\u201d<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>LTC benefits help people access the care they want.<\/li>\n\n\n\n<li>LTC protection provides options in a range of medical, personal and social services in a variety of settings.<\/li>\n\n\n\n<li>LTC benefits can provide for caregiver training, care coordination, respite care and hospice care.<\/li>\n\n\n\n<li>Government programs are limited by availability and financial resources.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"554\" height=\"506\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/goodCoverage2.jpg\" alt=\"\" class=\"wp-image-87\" style=\"aspect-ratio:1.0948698352223496;width:209px;height:auto\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/goodCoverage2.jpg 554w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/goodCoverage2-300x274.jpg 300w\" sizes=\"auto, (max-width: 554px) 100vw, 554px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"97\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/RLTC-Carriers2-1024x97.jpg\" alt=\"\" class=\"wp-image-73\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/RLTC-Carriers2-1024x97.jpg 1024w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/RLTC-Carriers2-300x28.jpg 300w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/RLTC-Carriers2-768x73.jpg 768w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/RLTC-Carriers2.jpg 1226w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/retirementltc.com\/docs\/I-37244-CA-Asset-Care-Consumer-Brochure.pdf\" target=\"_blank\" rel=\"Brochure\"><img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"411\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/01\/brochure.jpg\" alt=\"\" class=\"wp-image-67\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/01\/brochure.jpg 360w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/01\/brochure-263x300.jpg 263w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/retirementltc.com\/docs\/I-37244-CA-Asset-Care-Consumer-Brochure.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download our brochure<\/a>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"280\" src=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/FinalLogo.jpg\" alt=\"\" class=\"wp-image-83\" style=\"width:234px;height:auto\" srcset=\"https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/FinalLogo.jpg 360w, https:\/\/retirementltc.com\/wp-content\/uploads\/2026\/02\/FinalLogo-300x233.jpg 300w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\">Call us at&nbsp;<a href=\"tel:619-372-6449\"><strong>619-372-6449<\/strong><\/a><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>EMAIL: <\/strong><a href=\"mailto:abltc@wflife.com\" target=\"_blank\" rel=\"noreferrer noopener\">abltc@wflife.com<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>ADDRESS:<\/strong>&nbsp;5703 Oberlin Dr., Suite 101, San Diego, CA 92121<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>OFFICE HOURS:<\/strong><br>Monday through Friday: 7am to 6pm<br>Saturday: 9am to 3pm<br>Sunday: Closed<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Retirement LTC is neither an insurance nor an operating company. Instead, we connect individuals with insurance providers. Descriptions are for informational purposes only and subject to change. Retirement LTC is a subsidiary of Wealth Financial Life Services, Inc. Established in 2000.<\/pre>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you retiring or already in retirement? Are you aware that you can leverage your Qualified Retirement Funds to avail yourself of the Long-Term Care coverage? Statistics show that a person turning 65 today has almost 70% chance of needing some type of Long-Term Care, Home and Assisted Care services and support in their remaining&hellip;&nbsp;<a href=\"https:\/\/retirementltc.com\/\" rel=\"bookmark\"><span class=\"screen-reader-text\">Retirement LTC<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-8","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement LTC - Retirement LTC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/retirementltc.com\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement LTC - Retirement LTC\" \/>\n<meta property=\"og:description\" content=\"Are you retiring or already in retirement? Are you aware that you can leverage your Qualified Retirement Funds to avail yourself of the Long-Term Care coverage? 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