Private insurance that pays for assisted living, nursing-home, or home care under specific trigger conditions.
If you didn't buy it before 60, the math probably doesn't work anymore. Premiums rise sharply with age, and many policies have lifetime caps. Hybrid life-insurance / LTC policies are now more common than standalone LTC. Worth a 30-minute call with a fiduciary before assuming.
Palmelle pairs you with a placement advisor who's done this thousands of times. Free for families.
Talk to someone