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70% of Americans Over 65 Will Need Long-Term Care.
The average cost exceeds $100,000 per year. Medicare covers almost none of it.
Do you have a plan — or will your family have to figure it out?
70%
of Americans 65+ will need LTC
$100K+
average annual care cost
3 Years
average duration of care needed
$0
covered by Medicare for most LTC
Here's What Nobody Plans For
Most people spend 30+ years building their retirement savings. A 401(k). An IRA. A pension. Real estate. They do everything right.
Then one health event changes everything.
A stroke. Early-onset dementia. A fall that requires assisted living. Suddenly the plan that was supposed to last a lifetime is funding care costs at $8,000 to $12,000 per month.
And the family — the people you spent decades trying to protect — is now making the hardest financial and emotional decisions of their lives.
This is not a rare scenario. It is the most common retirement crisis in America. And it is almost entirely preventable with the right plan.
The Hard Truth
Medicare does not cover custodial care. Medicaid requires you to spend down almost all of your assets first. Without a long-term care plan, your retirement savings is the default insurance policy — and it may not be enough.
What Long-Term Care Insurance Actually Covers
Long-term care insurance pays a daily or monthly benefit when you can no longer perform two or more Activities of Daily Living (ADLs) — or when cognitive impairment requires supervision. Benefits can cover:
Home Care
In-home aides, skilled nursing, physical therapy, homemaker services.
Assisted Living
Residential facilities that provide personal care, meals, and medication management.
Memory Care & Nursing Homes
Specialized dementia and Alzheimer's care, skilled nursing facilities.
Most people prefer to stay at home as long as possible. A properly structured LTC policy gives you that option — on your terms, not your family's budget.
Three Ways to Get Long-Term Care Coverage
Traditional LTC Insurance
Standalone policy. Monthly benefit. Use-it-or-lose-it structure. Best for those who want maximum daily benefit at the lowest premium.
Hybrid Life + LTC Policy
Life insurance with an LTC rider. If you never need care, your heirs receive the full death benefit. Nothing is wasted. Funded with a single premium or rollover.
Annuity with LTC Rider
Fund coverage using your existing 401(k), IRA, or retirement assets. Tax-advantaged. Double or triple your LTC benefit from existing savings.
Not sure which is right for you? That's what the free consultation is for. We compare all options across 70+ carriers and show you the numbers side by side.
Use Your Retirement Assets to Fund LTC Coverage
One Policy. Two Benefits. Nothing Wasted.
A hybrid life and long-term care policy lets you fund LTC coverage using your existing 401(k), IRA, or retirement savings — through a tax-advantaged rollover or 1035 exchange.
If you need care: Your policy pays your long-term care benefit — tax-free.
If you never need care: Your heirs receive a full, income-tax-free death benefit.
If you change your mind: Many policies offer a return-of-premium option.
What a Long-Term Care Plan Does for You
✓ Protects Your Retirement Savings Care costs won't drain what you built over a lifetime.
✓ Keeps You in Control You choose where and how you receive care — not your family.
✓ Relieves Family Burden No one has to quit their job or deplete their own savings to care for you.
✓ Tax-Free Benefits LTC benefits are generally received income-tax-free.
✓ Preserves Your Legacy Assets pass to heirs instead of going to care facilities.
✓ Inflation Protection Optional benefit growth riders keep pace with rising care costs.
✓ Flexible Funding Options Pay premiums monthly or fund with existing retirement assets.
✓ Carrier-Paid Advisory Our fee is paid by the carrier — your consultation is always free.
Now Is the Right Time If Any of These Apply
✓ You are between ages 45 and 65 — premiums are significantly lower the earlier you plan.
✓ You have retirement assets worth protecting — a 401(k), IRA, pension, or real estate.
✓ You have watched a parent or family member go through a long-term care situation.
✓ You want to stay in your own home if you ever need care — not a nursing facility.
✓ You want to protect your spouse from having to spend down shared assets to pay for care.
✓ You are a teacher, public employee, nurse, or business owner with a pension gap to fill.
✓ You have an existing life insurance policy you are considering converting to a hybrid LTC policy.
Important: LTC Insurance Requires Medical Underwriting
You must apply while you are still healthy. Once a chronic illness or cognitive condition is diagnosed, you may no longer qualify. The best time to plan is before you need it.
How We Help You Get Covered
1
Free LTC Review
We assess your current retirement picture, care preferences, and budget. No pressure. 15–30 minutes on Zoom or phone.
2
Compare Your Options
We run quotes across 70+ carriers — traditional LTC, hybrid life/LTC, and annuity-funded options — and present them side by side.
3
Apply & Get Covered
We handle the application and underwriting. Most policies are issued within 4–6 weeks. Jeung Agency's fee is paid by the carrier.
Why Clients Choose Jeung Agency for LTC Planning
✓ Independent — we are not tied to any single carrier or product
✓ Access to 70+ A+ rated carriers — we find the best policy at the best price
✓ 25+ years of experience including a background at Merrill Lynch
✓ 5-Star Google rated — trusted by hundreds of families across all 50 states
✓ Specialists in hybrid LTC and annuity-funded strategies — not just traditional policies
✓ Free consultations — Zoom or phone, no obligation, no sales pressure