LTC Annuity
A deferred annuity with a long-term-care benefit multiplier — simplified or no health underwriting, funded from an existing qualified account.
Care Needed Within 1–3 Years
The signs are here.
The signs are here.
You still have time to plan well.
Memory changes, a recent fall, or a new diagnosis have made the timeline real, but care isn't needed today. This is the highest-leverage window: some insurance products may still be reachable, and there's usually enough runway to consider — though not always finish — advance Medicaid planning.
Pillars Most Relevant to This Stage
The funding options worth your time right now
These aren't the only pillars that could ever apply — they're the ones most likely to be relevant given this timeline. The Journey Assessment can confirm which fit your exact situation.
Hybrid Life / LTC (Asset-Based)
A single-premium or limited-pay life insurance policy with an LTC rider — if care is never needed, the death benefit passes to your family.
VA Aid & Attendance
A monthly pension benefit add-on for wartime-era veterans and surviving spouses who need help with activities of daily living — chronically under-claimed.
Advance Medicaid Planning
Legal techniques — irrevocable trusts, Lady Bird deeds, gifting programs — done early enough that the 60-month Medicaid lookback expires cleanly.
Medicaid (Baseline)
The nation's largest long-term-care payer, covering six in ten nursing home residents — with strict, state-specific asset and income tests.
A Reasonable Timeline
What to do, and by when
Within 30 days
Get quotes on hybrid life/LTC or LTC annuity products while health still allows simplified underwriting. Confirm veteran status and VA eligibility.
Within 90 days
Meet with an elder-law attorney to evaluate whether any advance-planning window remains, even if it's a partial one.
Ongoing
Put advance directives, POA, and healthcare surrogate documents in place if they aren't already — these matter regardless of funding pillar.
Get a Shortlist Specific to You
This page is a stage.
This page is a stage.
The assessment is your situation.
Twelve questions about your specific age, health, assets, home, marital status, and veteran status — then a ranked shortlist of the pillars that actually apply to you.