Secure Your Independence and Protect Your Family's Future
Don't let the rising costs of long-term care deplete your retirement savings or burden your family. Discover how smart planning today can protect your assets and create a lasting legacy for your loved ones.
70%
of people will need long-term care in their lifetime
$108,405
average annual cost of nursing home care
47%
of Americans over 55 have no LTC coverage
Transform Your Pre-Tax Savings into Tax-Free Benefits
Tax-Advantaged Planning
Take advantage of the Pension Protection Act to:
Convert pre-tax money into tax-free benefits.
Maximize your qualified plan funds.
Create significant leverage based on your health.
Protect your retirement savings from care costs.
Flexible Care Options
Our cash indemnity plans provide unprecedented flexibility:
Receive cash benefits for any care expenses.
Pay family members or friends for care.
Choose your preferred care setting.
Maintain control over your care decisions
Comprehensive Protection for You and Your Family
Asset Protection
Safeguard your retirement savings with:
Protection from rising care costs.
Preservation of retirement assets.
Tax-efficient benefit payments.
Guaranteed coverage options.
Family Support
Empower your family with options:
Compensate family caregivers.
Reduce financial burden on children.
Maintain family relationships.
Provide choice in care decisions.
Lasting Legacy
Create a meaningful impact:
Tax-free death benefit for beneficiaries.
Unused benefits pass to family.
Preserve inheritance plans.
Leave a financial blessing.
Why Planning Early Matters
Cost of Waiting
Premium rates increase with age.
Health changes can limit options.
Care costs rise annually.
Coverage may become unattainable.
Benefits of Acting Now
Lock in lower premiums.
More coverage options available.
Better chance of approval.
Peace of mind for your future.
Your Long-Term Care Planning Experts
Michael Watkins
Michael specializes in creating customized long-term care solutions that protect both assets and family relationships. He shows how the Pension Protection Act helps clients maximize their existing resources for optimal coverage.
Long-Term Care Specialist
Tax-advantaged Strategist
Retirement Income Specialist
Rick helps families navigate the complexities of long-term care planning with a focus on preserving wealth and maintaining family harmony. His approach ensures that clients understand all their options and make informed decisions.
Advanced Asset Protection Specialist.
Estate Planning Professional.
Family Legacy Advisor.
Rick Miller
Client Success Stories
"Working with Long Term Care Design transformed our approach to retirement planning. The tax savings and flexibility to pay our daughter as a caregiver gave us exactly what we wanted - protection for our assets and support for our family."
- Robert & Mary K., Clients since 2022