Long-Term Care Insurance for Physicians

Planning Ahead for Peace of Mind

As a physician, you understand the importance of proactive health planning. Yet many doctors overlook one critical area: the cost of long-term care. Whether it’s in-home support, assisted living, or nursing care, the expense can be substantial and is rarely covered by health insurance or Medicare. Without a plan, the financial burden often falls on family members and can quickly erode assets meant for retirement or inheritance.

Christine LaDuca helps physicians design customized long-term care strategies that integrate seamlessly into their broader financial plan. Her goal is to give you peace of mind, knowing that your later years are secure and your family is protected.

Why Long-Term Care Matters

• Rising Costs: Nationwide, the average annual cost of nursing home care exceeds $100,000, and it continues to climb.
• Family Burden: Without coverage, family members often step in as caregivers, creating emotional and financial stress.
• Asset Protection: Proper planning ensures your savings, investments, and retirement accounts are preserved for their intended purpose.

What Long-Term Care Insurance Covers

• In-Home Care: Assistance with daily living tasks while remaining in your own home.
• Assisted Living Facilities: Residential communities that provide support while allowing independence.
• Nursing Homes: Skilled nursing for advanced care needs.
• Adult Day Care Services: Supervised daytime programs for individuals needing partial assistance.

Policy Options Tailored to You

Christine works with physicians to explore several approaches:

• Traditional LTC Policies: Standalone plans that pay a daily or monthly benefit.
• Hybrid Life + LTC Policies: Combine permanent life insurance with long-term care benefits, allowing unused funds to pass to heirs.
• Shared-Care Riders: Allow couples to share a pool of benefits between two insured individuals.
• Inflation Protection: Ensures that benefits keep pace with rising healthcare costs.

Integrating LTC Into Your Financial Plan

Christine doesn’t treat long-term care insurance as a standalone purchase. Instead, she integrates it into your overall wealth strategy. This means considering:

• Your retirement income goals.
• The legacy you want to leave your family.
• Tax-advantaged ways to fund coverage.

Why Work With Christine

• Independent Access: More than 60 A and A+ rated carriers.
• Customized Approach: Each plan is built around your medical specialty, income, and long-term goals.
• Clear Explanations: Christine breaks down complex options into plain English.
• Compassionate Planning: Focuses on protecting both your assets and your family’s well-being.

Take Control of Your Future

Long-term care insurance is about more than covering expenses, it’s about independence, dignity, and peace of mind. Christine LaDuca helps physicians create strategies that ensure their later years are secure and their families are not left with overwhelming responsibility.

Schedule your call today to explore customized long-term care options that align with your financial goals.