Long-Term Care Planning

Can I afford to cover the costs of long-term care?

According to government statistics, 70% of adults 65+ will need Long-Term Care for 3 years or more at an average cost exceeding $155,000 per year in PA, it is the greatest threat to your retirement security. We can help you identify a long-term care strategy that fits your needs, without annual premiums, providing peace of mind for you and your family.

Benefits of Long-Term Care

You can’t predict when you might need long-term care, but you can prepare for it. We help you build a plan that protects your retirement savings from being drained by future health needs, while giving you options and peace of mind.

In-Home Care

Care in Assisted Living or a Nursing Home

Peace of Mind for Your Loved Ones

Tax Free Death Benefits for Your Heirs

No Annual Premiums

What Is Long-Term Care Planning and Why Is It Important?

Long-term care planning ensures that your financial strategy accounts for health events that could impoverish your estate. With Long-Term Care costs often increasing by upwards of 10% per year, even a short-term need can have a lasting impact on your savings. We help you create a plan that offers security, flexibility, and control so you can age with dignity and financial stability.

If You Don’t Do It for Yourself, Do It for Your Loved Ones

Without proper planning, you may burden your loved ones with your care. Asset Based Long Term Care allows the professionals to take care of you, so your family and friends don’t have to be your caretakers. These contracts are often transferable to your heirs as a tax free death benefit, so if you don’t use it, you don’t lose it. Our approach helps you prepare now, so you can protect your independence and your loved ones later.

Who Needs a Long-Term Care Plan?

A long-term care strategy isn’t just for the elderly, nor the wealthy—it’s for anyone who wants to protect their financial future and avoid placing a burden on their family. You may benefit from long-term care planning if:

  • You’re over 50 and thinking about retirement

  • You would rather receive care in the comforts of your own home.

  • You want to avoid relying on Medicaid or government assistance

  • You have financial assets you’re depending on, and/or want to protect for your heirs

  • You care for an aging parent and want to avoid a similar burden for your own children

“We’re confident with the long term care insurance through Crash Proof®. It balloons to three times its value when we need it, and it’s nice to know that it’s there for us for our future.”

— Dave and Patricia Janssen, CPR Client Since 2024

“The LTC Policy that I have through Crash Proof® covers $9,000 per month in care. Should I be fortunate and not have to use that, it goes to my beneficiaries.”

— Donna McMackin, CPR Client Since 2013

“All the money that we put into LTC is growing right now. If my husband or I need it we have it, and if we don’t need it then our children still reap the benefits.”

— Patti Pierantozzi, CPR Client Since 2014

“LTC can be used in many different places, whether it be a nursing home, in your own home, it’s comforting to know when you get to that point in your life you’re getting that help you need.”

— Susan Herr, CPR Client Since 2018

“It’s a peace of mind. to know that if you go into a nursing home the children don’t have to cover it. If you don’t use it and god takes you home, the children can have that money.”

— Sam Lepore, CPR Client Since 2012

“I feel that it’s important to look into long term care because the older you get the more aches and pains you feel you just don’t know what you’re going to develop in today’s world.”

— Joann Gallo, CPR Client Since 2016

Real People. Real Results.

Play Video
Tired of watching the market take back what you’ve earned? The proprietary Crash Proof Retirement system gives you a proven way to grow while protecting your interest returns every year, even when the stock market drops
Play Video
At Crash Proof Retirement. We understand that out of all the threats to your retirement future, your health is the greatest. That's why our firm offers unique asset based, long term care strategies to provide financial stability and peace of mind to our clients like Donna McMackin.
Play Video
With the market experiencing significant ups and downs this year, many retirees have reason to worry—but not Crash Proof Consumer Russell Convery. Since joining Crash Proof Retirement in 2017, Russell has enjoyed complete protection from market losses while watching his money grow safely.
Play Video
Many retirees don’t realize the IRS reserves the right to help themselves to the money in your retirement accounts by raising taxes. But there's a little-known IRS rule that can help protect your nest egg from taxes and required minimum distributions (RMDs).
Play Video
Social Security is often just a breadbasket of retirement income—yet many retirees treat it like the whole meal, leading to reduced benefits and financial stress. By claiming Social Security benefits as early as age 62, retirees take a 30% pay cut compared to waiting until full retirement at age 67.
Play Video
Want to know how to earn more than you would in the stock market—without risking your savings? Crash Proof client Barbara Panzano shares how she earned double-digit interest returns her first year with Crash Proof Retirement, including a 20% return in one vehicle, and 13% in another, all while protecting her principal from market losses.

Long-Term Care Planning Blog

Long-Term Care Planning

Long-Term Care Planning Awareness Month: Why Retirement Income Planning Must Include Long-Term Care

Crash Proof Retirement Complaints

Crash Proof Retirement® Complaints

Crash Proof Retirement Scam

Is Crash Proof Retirement® a Scam?

Crash Proof Retirement Reviews

Crash Proof Retirement® Reviews & Testimonials Worth Reading

Crash Proof Retirement Reviews: The Overlooked Crisis of Long-Term Care & the Affordable Solution

Crash Proof Retirement Reviews: The Overlooked Crisis of Long-Term Care & the Affordable Solution

3 Reasons Why You Need to Plan for Long-Term Care Expenses

3 Reasons Why You Need to Plan for Long-Term Care Expenses

happy physiotherapist assisting senior man in lifting dumbbells

Asset Based Long-Term Care

Frequently Asked Questions About Long-Term Care Planning

A 65‑year‑old couple retiring this year will need about $315,000 in after‑tax dollars for premiums, deductibles, and out‑of‑pocket medical bills in retirement; a single retiree will need roughly $157,500. These figures cover routine medical care under Medicare but do not include long‑term care expenses.

Medicare only covers short‑term skilled care, such as rehab after a hospital stay. It does not pay for ongoing custodial care services like eating, bathing, and dressing, which more than 90% of long‑term care patients need in their homes, or in assisted living/nursing facilities. These costs are typically funded with long‑term care insurance, hybrid life or annuity contracts, asset-based long term care contracts, or one’s own savings.

As soon as you understand that a major health occurrence can devastate your finances. Optimally, applying when you’re healthy is best. A good rule is to apply 5-10 years before you retire, typically between ages 55 and 65. Waiting past 65 could result in diminished benefits and a higher chance of denial.

Protect Your Future Health and Wealth

We’ll help you build a long-term care plan that fits your lifestyle, protects your loved ones, and gives you confidence in the years ahead.