Just like when we go to an all-you-can-eat buffet, our eyes are bigger than our stomach. With LTC protection, bigger than our budget. We want the best policy that will pay for everything we need for as long as we need care, but our income and savings say we can afford something with less coverage. Or we apply as a couple and one is declined for health. Does this mean we don't get any coverage at all? No! It means we get as much as we can afford for the duration of premiums. If half of our expenses are paid for with insurance, that's using our own assets and income to pay the other half rather than paying for all of our needs ourselves. Our family will be thankful for anything we do to help them help us better. View 2024 and projected costs of care where you live here Please use a 4% or 5% increase in costs when looking in the future years as that's how costs have increased over the last three decades. Learn what your state let's you keep to qualify for Medicaid here Schedule a phone or zoom meeting to start designing your plan here