LTC: 11 Questions to Ask

Long-Term Care Planning:
11 Essential Questions to Ask

Family & Caregiving Realities

1. Who would provide care if you needed help with daily activities?

2. Would you (or your spouse) feel comfortable relying on family for hands-on care?

3. How might caregiving responsibilities impact your children’s lives?
   
   Financial Preparedness
   

4. Which assets would you tap first to pay for professional care?

5. Have you researched local LTC costs? *(Example: Nursing homes average $100k+/year)*

6. Would you qualify for Medicaid, and are you prepared for its strict asset limits?
   
   Insurance & Alternatives
   

7. Have you explored hybrid solutions (e.g., annuities with LTC riders) that protect assets?

8. Would you prefer a policy that refunds unused benefits to heirs?

9. Does your retirement plan account for potential LTC expenses?
   
   Control & Legacy
   

10. How important is it to choose where and how you receive care?

11. Do you want to preserve assets for your spouse or heirs?
    

Next Steps:
📊 Estimate costs and 🛡️ Review options with your Chalk Money Financial Advisor.

"Planning early ensures choices—not crises—dictate your care."

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network. The foregoing content reflects the opinions of Jay Kadlec and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions, or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.