Long Term Care Resources Pacific
"Specialist in Long Term Care Planning"
Long Term Care Resources Pacific are
Partners with Alumni & Professional Association Members
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Educating our members
Our approach centers on education first — helping members understand their long-term care options and identifying tailored solutions that align with their unique needs and goals.
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Fits any budget
Long-term care protection doesn't have to mean a big new expense. We offer flexible solutions across a wide range of budgets, and in many cases, we can repurpose assets you already have — like life insurance, annuities, or retirement funds — so coverage costs you little to nothing new
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Health or age concerns
We believe everyone deserves quality long-term care planning. With multiple carrier options at our fingertips, we're able to help a wider range of members — no matter their age or health history
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Long-term care (LTC) is needing hands-on assistance with six common daily tasks
we typically accomplish independently.
Daily activities include: Bathing, Eating, Dressing, Transferring, Toileting, & Walking
Conditions can result from either a physical or cognitive impairment.
(Stroke, Cancer, & Old Age)
(Dementia & Alzheimer's)
Where do people receive long term care & what are the potential costs?
Nearly 70% of long-term care is provided at home. For individuals requiring more advanced or specialized support, care is delivered in assisted living, memory care, or nursing facilities.
The cost of care varies by region and level of care, but in the San Francisco area, long-term care expenses typically range from $9,000 to $18,000 per month.
7 out of 10 receive LTC @ home
1 out of 10 receive LTC @ assisted living facilities
2 out of 10 receive LTC @ a nursing home/memory care facility
*Average cost in the SF Bay Area (Genworth Cost of Care)
Click the Calculator to Find out the current and future cost of long term care in your local area.
How Long Do People Need Long Term Care?
By age 65, there’s a 70% chance you’ll need some form of long-term care during your lifetime.
The duration of long-term care varies based on age, gender, health, and family history.
Women typically need care longer due to longer life expectancy, and individuals with chronic conditions or cognitive impairments—such as Parkinson’s or Alzheimer’s—often require more extended and intensive care.
Does Health Insurance or Medicare Pay for Long Term Care Expenses?
NEITHER Medicare nor traditional health insurance covers long-term care.
The only government program that offers limited assistance is Medicaid (Med-Cal), which is designed for individuals with low income or those who are disabled. Eligibility is asset and income based.
Families often shoulder the full burden:
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becoming caregivers themselves
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hiring professional caregivers at their own expenses
Use Other People's Money for Long Term Care Expenses...
There are Three Main Choices
Traditional long-term care insurance is a policy designed to help pay for extended care services—such as in-home care, assisted living, or nursing home care—when you can no longer perform everyday activities due to aging, illness, or injury, helping protect your savings and independence.
A hybrid long-term care insurance policy combines long-term care benefits with life insurance, allowing you to use the policy for care if needed—or leave a death benefit to your beneficiaries if you don’t.
Annuities with long-term care benefits allow you to leverage your initial deposit—often by two to three times—for long-term care expenses. If care is needed, those enhanced funds are available to you. If not, the annuity passes to your family with interest, helping ensure your money is never wasted.
Three Core Components of a Long Term Care Insurance Plan
LTC Benefit Duration-
Size of Pool of Money
Max. Monthly LTC Benefit
(from pool)
Inflation Protection-
Pool keeping up
w/rising costs
To Qualify for LTC Benefits a Person Must Have a Physical or Cognitive Impairment
Physical Disability
Unable to do 2 of 6 Activities of Daily Living
Cognitive Impairment
(Dementia or Alzheimer's)
Traditional Long Term Care Insurance Pays for Home or Facility Care
Traditional long-term care insurance works like car insurance—you pay ongoing premiums for coverage, and if care is needed, it pays tax-free benefits to help cover long-term care expenses
LTC Pool of Money
Inflation Protection Grows the LTC Pool of Money Over the Years
When You Need Professional LTC due to a Physical or Cognitive Impairment
Monthly LTC Benefit Paid to Family to Cover Expenses
Traditional LTC Benefits
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Tax free LTC Benefits
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Care Coordinator
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Financial Leverage
Traditional LTC Trade-offs
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Premiums can Increase
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Finite Benefits
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Use it or Lose it
Traditional Long Term Care Insurance Example*
Lin & Trang bought a shared traditional long term care policy...*
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Began in 2006, both at age 46
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The starting pool of LTC money was $500,000 with a $10,000/month payout
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The 3% inflation protection rider increases the LTC pool of money annually
​*Illustrative purposes only
​In 2026, Lin is diagnosed with Parkinson's Disease & needs LTC at home.
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With the 3% compounding annual increase over the past 20 years, the pool of long-term care benefit has grown to $900,000—providing up to $18,000 per month for Lin's care.
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Hybrid Long Term Care Insurance is a Combination of LTC and Life Insurance
Hybrid long-term care insurance offers the protection of traditional long-term care coverage with the comfort of knowing that if care is never needed, your premiums can be returned to your loved ones as a tax-free life insurance benefit.
LTC Insurance
Tax-free LTC
Monthly Payouts
Life Insurance
Tax-free Life Insurance
Payout to Family
Hybrid LTC Benefits
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Easier health qualification. One policy covers two people
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No premium increases
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Potential unlimited/lifetime LTC benefits
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Funding options by repurposing current assets
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Retirement (401k, IRAs)​
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Old life insurance
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Annuity​
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Hybrid LTC Tradeoffs
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Potential higher initial premium than traditional​
Hybrid Long Term Care Insurance Example*
Gwen & Gene are both 60...*
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Funded a couple's LTC hybrid policy with a $100,000 reallocation from Gene's 401k
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Their LTC pool is lifetime & unlimited. Monthly LTC is $5,000/month per person
​*Illustrative purposes only
Scenario 1 LTC Benefits Used
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At age 80, Gwen has a stroke & Gene develops dementia. Both need help at home.
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Gwen & Gene both receive tax free LTC benefits of $5,000/month ($10,000 total) for the family to pay for their care
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LTC benefits continue for a lifetime until they no longer need care or pass away​
Scenario 2 No LTC Benefits Used
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After 60 years of marriage, Gwen & Gene
both pass away at 80.
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Since no LTC benefits were used, the hybrid LTC policy converts to life insurance
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The children receive $120,000 tax-free life insurance benefit
Assets Repurposed for the Hybrid LTC Insurance...
How Does it Work and What about Taxes?
Hybrid long-term care insurance allows you to reposition existing assets to fund your coverage with a single deposit, rather than adding a new monthly expense. This gives you long-term care protection with little to no impact on your day-to-day cash flow.
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Repurpose existing assets to fund coverage with a single deposit
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Premiums are spread over 10 years to help avoid a large tax burden in any one year
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Taxes are paid gradually over time instead of all at once
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Includes a 25% bonus toward long-term care and life insurance benefits
LTC Insurance
Life Insurance
Annuities With Long Term Care Benefits
Annuities with long-term care benefits leverage your initial deposit—often two to three times—to help cover long-term care expenses. If care is never needed, your original deposit, along with any interest earned, is returned to your family.
No medical exam is required—just a few general health questions and a brief 15-minute phone-based cognitive screening.
LTC Annuity
Return of Money Upon Passing.
LTC Benefits
2-3x Value of Annuity
LTC Annuity Benefits
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No medical exam
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Health questions and cognitive test over the phone
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Fast decisions
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Good for people with health issues or advanced age
Annuity with Long Term Care Benefit Example*
Ethel and Bob are 75...*
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Underlying health issues
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They have $100,000 saved for long term care
​*Illustrative purposes only
Ethel & Bob both decided they needed more money for long term care.
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Answer just 9 basic health questions
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Complete a 15-minute phone-based cognitive screening
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A $100,000 deposit becomes $300,000 available for long-term care
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If care is never needed, the $100,000 annuity grows at 3.00% annually and is passed to the children upon passing
Long Term Care Insurance Premiums May Be Tax Deductible
C-Corps can potentially deduct the LTC premiums as a business expense.
S-Corps, Partnerships, & Individuals who itemize their taxes may be able to deduct the premiums base on age tiers.
HSA accounts can be used to pay LTC premiums
From IRS.gov-check with your tax professional
