Ep 56 How Elder Law Attorneys Guide Smart Long-Term Care Decisions
Description
We unpack long-term care insurance through an elder law lens, from traditional policies and hybrid designs to short-term coverage that pairs with Medicaid timing. Clear frameworks help you advise clients on affordability, underwriting, and when a trust outperforms a premium.
• Why a 70% care risk changes planning
• Traditional long-term care insurance pros and cons
• Hybrid annuity-life structures and payout design
• Short-term coverage to bridge Medicaid penalties
• Underwriting differences from life insurance
• Five-year coverage as a planning sweet spot
• When a MAPT beats ongoing premiums
• How to model with-versus-without policy scenarios
• Building a trusted advisor referral network
• Best ages to apply and common cutoff points
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