Consumer Guides
Free, plain-English guides and fillable workbooks that walk you through how long-term care actually works — where care happens, what it costs, how to pay for it, and how to compare coverage. Every download is instant and there's no obligation.
How to Fund Long-Term Care
A plain-English consumer guide covering where care happens, six honest ways families pay for it, how Medicaid eligibility is decided, and how to choose a licensed professional you can trust.
LTC Policy Checklist & Financial Workbook
An 11-page fill-in workbook to assess your needs, map your finances, compare two policies side by side, and understand riders, tax rules, and terminology before you apply.
Long-Term Care Insurance Buyer's Guide
A plain-English walkthrough of the three coverage types, the riders worth paying for, how underwriting decides your rate, and a worksheet for comparing quotes side by side.
Medicaid Planning & Asset Protection Guide
A plain-English guide to Medicaid eligibility rules, the look-back period, legitimate spend-down and asset-protection strategies, spousal impoverishment protections, and an illustrative family planning story.
Long-Term Care Insurance Tax Guide
A plain-English guide to the federal tax rules for long-term care insurance — premium deduction limits, tax-free benefits, and rules for the self-employed.
Consumer Guide: State Partnership Long-Term Care
A plain-English guide to State Partnership long-term care policies — dollar-for-dollar Medicaid asset protection and how to confirm a policy qualifies in your state.
1035 Tax-Free Exchange for Long-Term Care
A plain-English guide to using a Section 1035 tax-free exchange to move value from an existing life insurance policy or annuity into long-term care coverage.
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