Long-Term Care Planning with Medicare | Utah | Medicare On Main
Long-Term Care Planning — Act Before You Need It

Long-Term Care — What Medicare Won't Cover

70% of people over 65 will need long-term care. Medicare covers almost none of it. The average nursing home costs over $89,000 per year. Brian helps you explore options that protect your savings before a crisis forces your hand.

⚠️ Medicare covers ~13% of LTC costs
💰 $89,000+/yr nursing home average
✓ Hybrid plans with return of premiums
Free LTC Guide →
Long Term Care — Bridging the Gap by Brian Penner
The Reality

Why Long-Term Care Is the Retirement Risk Most People Ignore

70%
of people over 65 will need some form of long-term care
$89K+
average annual nursing home cost (semi-private room)
~13%
of LTC costs covered by Medicare — only skilled care, up to 100 days
2.5 yrs
average length of long-term care need for those who require it
⚠️ What Most People Believe vs. Reality

Common belief: "Medicare will cover my nursing home if I need it."
Reality: Medicare covers skilled nursing facility care for up to 100 days after a qualifying 3-day hospital stay — and only for skilled care (physical therapy, wound care, etc.), not custodial care. Custodial care — help with bathing, dressing, eating, and daily activities — is the primary cost in most long-term care situations. Medicare pays nothing for it.

Your LTC Options

Planning Options Brian Reviews

Long-term care planning is not one-size-fits-all. The right solution depends on your age, health, assets, and what level of protection you want. Brian helps you understand every option available in your state.

Traditional LTC Insurance
Monthly premiums that fund a benefit pool you draw from when you need care. Premiums may increase over time. Most comprehensive coverage for the dollar.
Hybrid Life/LTC Plans
Life insurance policy with LTC riders. If you never need LTC, your heirs receive the death benefit. Some plans offer 100% return of premiums. Premiums are typically guaranteed to never increase.
Annuity-Based LTC Plans
A lump-sum deposit funds both an annuity and an LTC benefit. Provides guaranteed income plus LTC protection. Particularly useful for asset repositioning.

What Brian's Free LTC Review Covers

  • ✓
    Honest assessment of your LTC risk based on age and health
  • ✓
    Current LTC costs in Utah and your area
  • ✓
    Traditional vs. hybrid vs. annuity-based options compared
  • ✓
    Plans with 100% liquidity and return of premiums explained
  • ✓
    Income tax-free payout options reviewed
  • ✓
    How LTC planning interacts with your Medicare and estate plan
"The best time to plan for long-term care is before you need it — when you're healthy and premiums are lowest. Waiting until you need coverage means you may not be able to get it."
— Brian Penner

Don't Leave $89,000/Year
to Chance

A free 30-minute call with Brian shows you exactly what options are available to protect your retirement savings. No obligation, no pressure.

📞 (435) 260-3200
Medicare Required Notice: We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE or your local SHIP office for information on all of your options.