Long-term care planning
It's the question most people push away. A free 15-minute conversation can answer it, in plain English, with no obligation to do anything at all.
Call (619) 943-3673No pressure. No jargon. Just answers.
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The short answer
No. Medicare does not pay for long-term care. It covers short-term skilled care, up to 100 days after a qualifying hospital stay. The everyday help most people eventually need, like bathing, dressing, and eating, comes out of your own pocket, through long-term care insurance, or through Medicaid after spending down what you own. About 7 in 10 people who reach 65 will need some care. A free 15-minute conversation shows you your options while they're all still open.
The question you've been putting off
Most people do. It's not denial. It's that nobody wants to sit alone with a question this big. You're not behind. You're not irresponsible. You're normal.
But the question doesn't go away on its own. So let's look at it together, calmly, for a few minutes.
The part nobody told you
Most people assume it's covered. It isn't. Medicare covers short-term skilled care, up to 100 days, and only after a qualifying hospital stay. The everyday help most people eventually need, like bathing, dressing, eating, and moving safely, is not covered. That care is paid out of your own pocket, through long-term care insurance, or through Medicaid after spending down what you own.
And the odds aren't small. About 7 in 10 people who reach 65 will need some long-term care. The average need lasts about three years; roughly 1 in 5 will need it for five years or more.
To be honest with you, because honesty is the whole point: about 1 in 3 may never need care at all. Planning isn't about predicting. It's about not betting the house on the coin flip.
Nursing home, private roomAbout $355 a day
$129,575per year
Nursing home, semi-private roomAbout $315 a day
$114,975per year
Assisted living communityAbout $6,200 a month
$74,400per year
Care at homePrivate-duty nursing averaged about $90 an hour. It adds up faster than most people expect.
$90per hour
National averages, 2025 Cost of Care Survey (Genworth / CareScout). Costs in your area will differ. We'll look at your local numbers together.
The fears, said out loud
This is the one almost everyone says first. And it's already happening to other families: about 63 million Americans, nearly 1 in 4 adults, are caring for a family member right now. About a third of them have stopped saving for their own future to do it. A plan is how your kids stay your kids, not your caregivers.
When one of you needs care, the bills come out of savings meant to last for two. The person still at home keeps every household expense and loses the cushion. Planning ahead is how you protect the one who stays.
Without a plan, care is often paid for by spending down what you own until little is left. The inheritance you pictured can become the first thing that goes. There are honest, legal ways to protect what you've built, but they work best while you're healthy enough to choose them.
When there's no plan, decisions get made quickly, by other people, often in a hospital hallway. With a plan, you decide: where you live, who cares for you, and on what terms.
If any of these have crossed your mind, you're not being dramatic. You're being honest.
Here's the good news
Real options exist, and most people qualify for more of them than they think. Our job is to lay them out in plain English, show you which ones actually fit your situation, and let you decide.
That's not a sales tactic. It's just how insurance works: price follows age, and approval follows health. A new diagnosis can close doors overnight. The best time to look at your options is while they're all still open.
No countdowns. No "act now." Just the plain truth about timing.
How it works
You don't need paperwork, statements, or the "right questions." Just bring yourself. We'll handle the rest.
01
Pick a time that suits you, or just call us right now. You'll talk to a real person, not a phone tree.
02
We ask about your health, your family, and what you want to protect. Then we show you which options fit and which ones don't. In plain English, with the trade-offs out in the open.
03
Take your time. Talk it over with your family. Say no. There is no pressure on that call, or ever. The conversation costs nothing and it's yours to keep.
Who we are
Leaders Financial Group helps families protect what they've spent a lifetime building: legacy, retirement, and the plans that hold them together. Our systems keep the details from slipping. Our people do the part that matters: they pick up the phone, they explain things until they make sense, and they care whether your plan actually holds.
From people who made the call
“I kept putting it off because I assumed it would be a hard sell. It wasn't. Twenty minutes, plain answers, and for the first time I actually know what happens if I ever need care.”
“We did it for each other. Knowing neither of us would have to drain everything or lean on the kids is what finally let us both relax.”
Plain answers
No. Medicare covers short-term skilled care, up to 100 days, and only after a qualifying hospital stay. The everyday help most people eventually need, like bathing, dressing, and eating, is not covered. That care is paid out of your own pocket, through long-term care insurance, or through Medicaid after spending down what you own.
About 7 in 10 people who reach 65 will need some long-term care. The average need lasts about three years, and roughly 1 in 5 will need it for five years or more. About 1 in 3 may never need care at all. Planning is about not betting the house on that coin flip.
National averages from the 2025 Genworth / CareScout Cost of Care Survey: a private nursing home room runs about $129,575 a year, assisted living about $74,400 a year, and private-duty nursing at home about $90 an hour. Costs in your area will differ. We'll look at your local numbers together.
Some options cover that too. Hybrid life plus long-term care policies pay for care if you need it. If you never do, your family still benefits.
While you're healthy. Coverage costs more and gets harder to qualify for every year you wait, and a new diagnosis can close doors overnight. Worried your money won't last either way? Start with our income for life page.
Nothing. It's a free 15-minute conversation with a real person. We lay out the options that fit your situation, and you decide. No pressure, ever.
One conversation
Not today. Not all at once. It starts with one 15-minute conversation and ends with you knowing exactly where you stand.
Call (619) 943-3673Important: Leaders Financial Group is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services, or any other government agency. This page is for general informational purposes only and is not legal, tax, or investment advice. Nothing here is a promise of coverage, pricing, or approval. Eligibility and cost depend on your age, health, and state. Insurance products offered through licensed agents; entity and state license information available on request. Availability varies by state.
Sources for the figures on this page: Medicare coverage of long-term care: Medicare.gov. Likelihood and duration of needing care: U.S. HHS / ASPE and ACL.gov. Costs of care: Genworth / CareScout 2025 Cost of Care Survey. Family caregiving: AARP / NAC, Caregiving in the U.S. 2025. Figures current as of June 2026; re-verify before publishing.
