Care for tomorrow.
A plan that puts
you first.
Extended care solutions start with your priorities. If your care needs change, consider your preferences, your family, and the resources you could draw on. Roberts Wealth Management helps you explore ways to prepare for future care costs and consider how insurance and personal assets could fit your retirement plan.
Your people. Your plan.
Begin with your care preferences.
Compare funding approaches.
Connect care to your retirement.
Extended care solutions,
centered on your life.
Preparing for extended care involves more than deciding whether to buy insurance. It means considering where you would prefer to receive help, who might be involved, and how expenses could affect the rest of your household.
We help bring the financial questions into focus. Your healthcare professionals guide care decisions; your financial conversation considers the resources and tradeoffs behind them.
Compare the approach.
Understand the details.
There is no single solution for every household. We can discuss these categories and whether an available option fits your needs, health, budget, and planning goals.
Examples are educational, not a product recommendation. Product availability, underwriting, benefits, exclusions, and costs vary by insurer, contract, and state. Review actual policy documents before making a decision.
Know what a solution
would actually do.
A useful comparison looks beyond a headline benefit. Ask how the coverage would work in the circumstances you are trying to prepare for.
When would it pay?
Understand the benefit triggers, assessment requirements, and any elimination or waiting period.
Where could care happen?
Review which settings, services, and providers the policy covers, including any conditions for care at home.
How much could it provide?
Compare benefit limits, duration, payment methods, and any inflation protection offered.
What would you give up?
Consider ongoing costs, access restrictions, surrender charges, and effects on other benefits or assets.
Make room for care
in your retirement plan.
Start with the life you are planning, then explore how potential care needs could change the financial picture.
- 01
Listen
Discuss your preferences, family circumstances, and questions about future support.
Begin with what matters to you.
- 02
Review
Look at your resources, current coverage, and the retirement income needs of your household.
Build a useful starting picture.
- 03
Compare
Explore relevant funding approaches and the costs, conditions, and limitations involved.
Understand the tradeoffs.
- 04
Revisit
Review the plan when your resources, family situation, or preferences change.
Keep the conversation current.
Bring your questions.
We’ll help organize the choices.
You do not need to choose a product before you reach out. Begin with your goals and what you already know about your finances and coverage.
If you are looking for a broader introduction to future care needs, start with RWM’s Long-Term Care Planning page.
Extended care solutions:
your questions, answered.
How is this different from long-term care planning?
Extended care is a broad planning term used here for preparing for future support needs. This page focuses on comparing ways to fund care and understanding insurance features. Our Long-Term Care Planning page introduces the wider conversation about care preferences and retirement needs.
Does Medicare pay for long-term care?
Medicare generally does not pay for ongoing custodial care, such as help with bathing and dressing. Coverage for qualifying skilled care is different and has its own conditions. Do not assume Medicare or Medigap will cover ongoing personal care costs.
Can a policy help pay for care at home?
Some policies include home care benefits. Covered services, eligible providers, benefit triggers, and payment requirements vary. If staying at home is a priority, make it a specific part of your policy review.
What happens if I never use the care benefits?
It depends on the coverage. A traditional policy, a life insurance combination, and an annuity can have very different outcomes. Ask what value or death benefit, if any, remains and whether fees, withdrawals, or care payments could reduce it.
Are chronic illness riders and long-term care riders the same?
No. Names alone do not tell you how a rider works. Qualifying conditions, payment calculations, costs, and permitted uses can differ. Review the exact contract rather than treating all care-related features as equivalent.
How should taxes factor into the decision?
Tax treatment depends on the product, the benefits, the funding method, and your circumstances. Coordinate with your tax professional before moving money, replacing a policy, or relying on a particular tax result.
Does RWM arrange medical care or provide healthcare advice?
This page describes financial planning and insurance considerations. Care assessments, medical advice, and treatment decisions belong with qualified healthcare professionals. Discuss any care management services separately with the relevant provider.
Keep planning
with perspective.
Explore related topics as you consider how future care could fit your retirement.
Start with your preferences.
Consider future support needs and the questions to bring into your plan.
Understand the role of coverage.
Connect insurance decisions to your personal goals and resources.
Bring the pieces together.
Consider income, investments, and protection in the context of your life.
Plan for care.
Keep your priorities in view.
Talk with Roberts Wealth Management about preparing for future care costs.
General educational information, not medical, legal, tax, or individual insurance advice. Coverage is subject to underwriting and the terms, exclusions, limitations, and eligibility requirements of the actual policy or contract. Riders may have additional costs. Insurance guarantees depend on the issuing insurer’s claims-paying ability. Consult appropriate professionals about your circumstances.
