Story at-a-glance Long-term care is costly, and most physicians underestimate future needs.Traditional LTC insurance offers more flexibility, but it’s “use it or lose it.”Hybrid LTC insurance combines care with life insurance or annuities—no wasted premiums.Hybrid policies cost more upfront

Story at-a-glance Long-term care insurance (LTCI) helps pay for services like home care, nursing homes, and assisted living.Dentists risk losing assets without LTCI due to high care costs in the future.Quality of care and independence improve with the right LTCI policy in place.Family stress

Story at-a-glance Longer lifespans mean greater odds of needing care, even for healthy, financially secure individuals.LTC insurance protects your assets and your family, ensuring you're not a financial burden later in life.Buying coverage is a responsible act of self-care, giving you dignity,

Story at-a-glance 1 in 2 people over age 74 will need long-term care, and costs can exceed $7,000/month—quickly draining retirement savings.Medicare offers limited coverage, and Medicaid only kicks in after nearly all assets are spent down.Middle- and upper-middle-income physicians are most at