What Care Can Look Like
Care may mean help with bathing, dressing, meals, transportation, supervision, or support after a chronic illness or cognitive decline.
Long-Term Care
The care conversation is really a family conversation.
Long-term care planning is about education: where care may happen, who may provide it, what Medicare does and does not cover, and how a care need could affect your savings, independence, and loved ones.
Education First
Long-term care is not only a nursing home conversation.
Care may happen at home, in assisted living, in a memory-care setting, or in a nursing facility. The right conversation is about choices, family, savings, and how you want decisions handled if care is needed.
What Medicare May Not Cover
Medicare can cover skilled or rehabilitative care in limited situations, but it generally does not pay for ongoing non-skilled help with daily activities.
What We Can Plan For
Sky can discuss traditional long-term care insurance, hybrid life/LTC strategies, family support, self-funding considerations, and tradeoffs.
How Sky Helps
A clear look at care risk before a decision.
Long-term care can feel abstract until you consider who would help, where care may happen, and how costs could affect your family.
As an independent broker, Sky can compare products from multiple insurance carriers.
Helpful resource
A cost-of-care calculator can be useful for education. It is not a recommendation, but it can help you understand the size of the planning question.
California consumer information: California Department of Insurance Long-Term Care Rate & History Guide.
Talk about care before a crisis forces the conversation.
Use this general consultation form for long-term care questions. Medicare-specific marketing permission is not used here.