LONG-TERM CARE PLANNING
More Choices for Your Care. More Freedom for Your Family.
Imagine the confidence of knowing you’ve already thought through the choices that matter most — while they’re still yours to make.
Long-term care planning isn’t simply about preparing for care. It’s about helping protect where you live, how you live, the people you love, and the financial life you’ve worked so hard to build.
Prefer to Talk? Schedule a Long-Term Care Conversation →
Share a few details and a SAF Advisor will help you explore long-term care options designed around what matters most to you.
Helping Families Since 1998
LONG-TERM CARE PLANNING
Imagine knowing that if you ever need additional help, you’ve already thought through the choices that matter most — while they’re still yours to make.
Long-term care planning isn’t simply about preparing for care. It’s about helping protect where you live, how you live, the people you love, and the financial life you’ve worked so hard to build.
Prefer to Talk? Schedule a Long-Term Care Conversation →
Share a few details and a SAF Advisor will help you explore coverage options designed around what matters most to you.
Helping Families Since 1998
LONG-TERM CARE MADE SIMPLE
As You Think About Aging, How Would You Picture Your Best Life
More time in the home you love.
More choices for your care.
More time for family to simply be family.
More Life at Home, Your Way
See yourself enjoying your favorite routines, more family visits and that genuinely special laughter at home with the people you love being around.
Thoughtful long-term care planning can create more choices for receiving support while continuing to live life your way.
More Time for Family to Be Family
Imagine more quality time together for the moments that matter — the visits, celebrations, grandchildren, great-grandchildren, laughter and simply enjoying one another.
Long-term care planning can provide resources for professional support, creating more opportunities for family to simply be family.
Share a few details and explore long-term care possibilities designed around your life, your family, and the choices you’d like to keep available.
LONG-TERM CARE THAT FITS YOUR LIFE
Long-Term Care Can Fit the Life You Want to Live
Long-term care can take many forms, giving you more ways to choose the support and setting that fit your life.
At Home
Support with everyday activities while continuing to enjoy familiar surroundings and routines.
In Your Community
Services and programs that help you stay active, supported and connected.
Assisted Living
A residential setting offering support, independence, activities and community.
Nursing Care
Comprehensive personal and medical support designed around more advanced care needs.
The goal is having more choices for how — and where — you live.
PLANNING AROUND WHAT MATTERS TO YOU
Your Life Helps Shape Your Long-Term Care Plan
The right long-term care planning approach begins with understanding the life you enjoy today, the people who matter to you, and the choices you’d like to keep available for tomorrow.
Your SAF Advisor can help you consider where you’d prefer to receive care, how you’d like your family to be supported, the resources you already have, and the financial flexibility you’d like to preserve.
Together, those pieces can help shape a long-term care strategy designed around your priorities, your family, and the life you want to continue enjoying.
And as life evolves, your SAF Advisor can continue the conversation with you — helping your long-term care planning stay aligned with what matters most to you.
LONG-TERM CARE MAY BE MORE FLEXIBLE THAN YOU THINK
Long-Term Care Planning Made for Real Life
You’ve already seen that long-term care can support different places, different priorities, and different ways of living.
Now let’s look at what actually creates those choices — and how a long-term care policy can be designed around you.
HOW LONG-TERM CARE BENEFITS CAN WORK
Three Decisions Help Shape Your Long-Term Care Plan
Long-term care insurance can be designed around three practical questions:
How much would you like available? Where would you like benefits to help support your care? And how should those benefits prepare for tomorrow?
01 — BUILD YOUR RESOURCES
Choose How Much You'd Like Available
A long-term care policy can create a dedicated financial resource for eligible care.
The benefit amount you select helps determine how much may be available when covered care is needed.
That gives your care its own financial resource while helping your other money continue doing the jobs you intended for it.
02 — CREATE YOUR CARE OPTIONS
Choose Where Your Benefits Can Help
Depending on the policy and benefits selected, eligible services may include care at home, adult day care, assisted living, nursing care, hospice care, and other covered services.
That gives you more ways to match available benefits with the setting and support that fit your life.
03 — PREPARE FOR TOMORROW
Help Your Benefits Grow Over Time
Some long-term care plans offer inflation protection designed to increase available benefits over time.
That can help your benefits maintain more purchasing power as the cost of care changes in the years ahead.
What Does That Mean for You
By now, you may already be wondering:
How much coverage would I need? What does long-term care insurance cost? When should I consider getting it? What does it actually cover? How does health affect qualifying? What is a waiting period? And how do I know which options make sense for me?
Those are exactly the kinds of questions worth asking.
So Let's Answer Them
The questions below will help you understand long-term care insurance more clearly — from costs and coverage to health qualifications, benefits, timing, care options and what to consider when building your own plan.
01 — BUILD YOUR RESOURCES
Choose How Much You'd Like Available
A long-term care policy can create a dedicated financial resource for eligible care.
The benefit amount you select helps determine how much may be available when covered care is needed.
That gives your care its own financial resource while helping your other money continue doing the jobs you intended for it.
02 — CREATE YOUR CARE OPTIONS
Choose Where Your Benefits Can Help
Depending on the policy and benefits selected, eligible services may include care at home, adult day care, assisted living, nursing care, hospice care, and other covered services.
That gives you more ways to match available benefits with the setting and support that fit your life.
03 — PREPARE FOR TOMORROW
Help Your Benefits Grow Over Time
Some long-term care plans offer inflation protection designed to increase available benefits over time.
That can help your benefits maintain more purchasing power as the cost of care changes in the years ahead.
What Does That Mean for You
By now, you may already be wondering:
How much coverage would I need? What does long-term care insurance cost? When should I consider getting it? What does it actually cover? How does health affect qualifying? What is a waiting period? And how do I know which options make sense for me?
Those are exactly the kinds of questions worth asking.
So Let's Answer Them
The questions below will help you understand long-term care insurance more clearly — from costs and coverage to health qualifications, benefits, timing, care options and what to consider when building your own plan.
YOUR LIFE. YOUR QUESTIONS. YOUR CLARITY.
Questions Are Part of Building the Right Plan
Understanding your options can make long-term care planning feel much clearer. Explore the questions families commonly ask as they consider the care, financial resources, and choices they’d like available for the future.
Why do I want long-term care insurance?
Long-term care insurance can help you create more choices for how you live, where you receive care, and how your savings are used if you ever need extended support.
Imagine having resources available to help you remain at home, receive professional care, or choose another setting that feels right for you—while allowing more of your retirement savings to continue doing the jobs you intended for them.
It can also give your family more options for supporting you while continuing to enjoy their most important role: simply being your family.
Long-term care insurance is ultimately about helping you prepare today for more choices, greater flexibility, and the life you want to continue enjoying tomorrow.
Can long-term care insurance help me stay in the home I love?
Yes, many long-term care insurance policies can help pay for qualifying care and support you receive in your own home.
Picture continuing to enjoy your familiar surroundings, your favorite chair, your routines, your neighborhood, and the people and places that make everyday life feel like yours — with additional support available when you qualify for benefits and choose to use it.
Depending on your policy, covered home-based services may include professional home health care and other forms of support designed to help you continue living at home.
For many people, planning for care at home means creating more ways to keep living life their way.
Will long-term care insurance help pay for assisted living?
Yes, many long-term care insurance policies can help pay for qualifying care received in an assisted living setting.
That gives you another choice to include in your plan. If assisted living someday becomes the setting you prefer, your coverage may provide benefits that help pay for eligible care while you enjoy your own space, activities, meals, companionship, and support nearby.
The amount your policy pays depends on its specific benefits and your eligibility to receive them.
Planning ahead can help you keep more care choices available so you and your family can focus on choosing the setting that feels right for you.
What kinds of care can long-term care insurance help pay for?
Long-term care insurance can be designed to help provide resources for several different ways of receiving qualifying care, depending on the policy you choose.
Coverage may include care in your own home, assisted living, nursing care, adult day care, hospice care, respite care, and other eligible services or support.
That flexibility matters because the kind of support that feels right for you can evolve over time.
Instead of planning around one particular place, you can build a strategy around something much more personal — the choices you’d like to have available.
How much does long-term care insurance cost, and is it worth it?
The cost of long-term care insurance is personal because coverage can be designed around your age, health, desired benefits, budget, and the amount of long-term care risk you want the insurance company to help you carry.
And whether it’s worth it becomes clearer when you look at what your premium can help you put in place.
Long-term care insurance allows you to pay a known premium for the opportunity to access a potentially much larger pool of benefits for qualifying care. That can create valuable financial leverage—dedicated resources that may help pay for care while allowing more of your retirement savings to continue providing income, supporting your spouse, creating flexibility, enjoying retirement, or becoming part of the legacy you leave behind.
The value isn’t simply what you pay. It’s the amount of long-term care benefits and additional choices those premium dollars can help you create.
A SAF Advisor can show you the actual numbers for coverage available to you so you can compare the premium, potential benefits, and financial leverage and decide whether the value makes sense for you.
How much long-term care coverage should I consider?
The right amount begins with the life you’d like your plan to help support.
Think about where you would prefer to receive care, what that care may cost where you live, how much of the expense you could comfortably fund yourself, and how much you would prefer your insurance to help provide.
Your retirement assets matter too. Some of your money may already have important jobs—creating income, providing flexibility, supporting a spouse, enjoying retirement, or leaving something to the people you love.
Your long-term care coverage can then be designed as part of that bigger financial picture rather than as a separate decision.
A SAF Advisor can help you put those pieces together and explore a benefit amount that fits what you want your plan to accomplish.
Can long-term care insurance help me protect more of my assets if I eventually need Medicaid?
Yes, certain qualified Long-Term Care Partnership policies can provide dollar-for-dollar asset protection.
In Texas, for every dollar of qualifying benefits your Partnership policy pays, a dollar of your countable assets may generally be disregarded when determining Medicaid resource eligibility.
For example, if a qualifying Partnership policy has paid $100,000 in benefits, you may be able to protect $100,000 of countable assets in addition to the resources Medicaid otherwise allows you to retain, subject to Medicaid’s other eligibility requirements.
That means your long-term care insurance may do more than help pay for care—it may also help you preserve more of what you’ve built if Medicaid later becomes part of your long-term care plan.
Will Medicare or Medicaid pay for my long-term care?
Medicare and Medicaid can both play important roles, and understanding what each program is designed to provide can help you build a more complete long-term care plan.
Medicare generally does not pay for ongoing long-term care or custodial care. It can cover certain qualifying skilled nursing facility care and home health services when Medicare’s requirements are met.
Medicaid can provide long-term care services and support for people who meet applicable eligibility requirements. In Texas, those services may include qualifying nursing facility care and certain home- and community-based services, with financial, medical, functional, and program requirements applying depending on the type of assistance.
Knowing what Medicare and Medicaid may provide helps you decide what additional resources and choices you’d like your own long-term care plan to make available.
Can I help purchase long-term care insurance for my spouse, parent, or someone I love?
Yes. You may be able to help someone you love put long-term care insurance in place — and you may also be able to help pay the premiums for their coverage.
The person being insured will generally need to participate in the application process and meet the insurance company’s health and underwriting requirements. The coverage is designed around their care needs, their choices, and the benefits available to them under the policy.
For families, this can open the door to planning together. A spouse may want to help protect the life they’ve built together. Adult children may want to help a parent create more resources for future care. Family members may even decide that sharing the cost of coverage makes sense as part of a larger family plan.
Sometimes helping someone you love plan ahead means helping them create more choices for their care, more resources to support those choices, and more opportunities for family to simply be family.
A SAF Advisor can help you explore how coverage could be structured, who may pay the premiums, and what options may be available for the person you want to help.
Does my health affect whether I can qualify for long-term care insurance?
Yes. Your health can have a significant effect on your ability to qualify for traditional long-term care insurance.
Long-term care insurance generally involves health underwriting, which means the insurance company reviews information about your health and medical history when determining eligibility.
That makes your current health an important planning asset.
Exploring your options while your health supports more possibilities can give you the opportunity to see what coverage may be available and decide whether any of those choices are right for you.
You don’t need to choose a policy before you begin. You can simply discover what options are available to you.
When is the best time to explore long-term care insurance?
The best time to explore long-term care insurance is often while you have the health, time, and financial flexibility to consider your choices comfortably.
There isn’t one perfect age for everyone. Your health, retirement timeline, financial resources, family circumstances, and the future you’d like to prepare for all matter.
Exploring earlier can give you more time to understand available coverage, compare different benefit designs, and see how long-term care planning could fit alongside your retirement and other financial goals.
You can explore today simply to understand your possibilities—and then decide what feels right for you.
How can I know if long-term care insurance is right for me?
Start with what you want your future plan to make possible.
Where would you prefer to receive care? How important is remaining at home? What role would you like your family to have? Which retirement assets would you like to preserve for other purposes? How much long-term care expense would you be comfortable funding yourself?
Your answers begin to show whether long-term care insurance could add meaningful value to your overall plan.
Long-term care insurance can be a valuable planning tool for the right person, and the best decision is the one that fits your life, your finances, your family, and your priorities.
A SAF Advisor can help you bring those pieces together, explore the options available to you, and determine whether long-term care insurance belongs in the future you’re creating.
YOUR LIFE. YOUR CHOICES. YOUR NEXT STEP.
Now Let’s Explore How You Can Keep More Choices in Your Hands
You’ve already begun thinking about what you’d want your life to look like in the years ahead.
Your Home. Your Independence. Your Family. Your Financial Freedom. Your Future.
Now you can bring those priorities together and explore a long-term care strategy designed around the life you want to continue enjoying and the people you love.
Tell Us What You’d Like Your Plan to Make Possible
Share a few details about yourself, the life you want to continue enjoying, and the choices you’d like to keep available.
A SAF Advisor will personally review what you share and help you explore long-term care possibilities designed around what matters most to you.
A few thoughtful answers can begin turning the future you pictured into a plan built around you.
Prefer to Talk? Schedule a Long-Term Care Conversation →
Helping Families Since 1998