Without a plan
Life savings
- You pay out of pocket until your savings run out
- Then Medicaid can step in, but only after your assets are spent down
- Your home and savings can be lost, not passed to your family
The state gets what's left
Future Care & Cost Protection
Protect what you’ve worked
a lifetime to build.
Here’s what most families learn too late: Medicare does not cover long-term care. Planning while you’re healthy decides what happens next.
The moment that decides everything
You never know when
a crisis will hit.
Medicare doesn't cover long-term care. Planning decides what happens next.
A health crisis hits — a fall, a diagnosis, a sudden need for care
With a Benepro plan
Life savings
- You planned early: long-term care insurance or a protective trust, set up in advance
- Care gets covered without wiping out your life savings
- Your home and assets stay protected, right where they belong: with your family
Your family gets what's left
Plan today, while you're healthy. It's not paperwork we deliver, it's peace of mind.
Two paths, or a blend
Plan while you’re healthy,
while you still have options.
Path A: Long-term care insurance
Purchase a policy now, while you qualify and rates are lower. It pays toward care costs later. We offer these plans directly, so you're covered from the same place you trust for everything else.
Path B: Asset protection trust
Set up a trust now, so your home and savings are protected if you ever need to qualify for Medicaid. We work hand-in-hand with trusted elder law attorneys to make sure it holds up when it matters.
Or blend both — a hybrid plan that mixes some insurance coverage with asset protection, so you're not putting all your eggs in one basket. Protected, not fully reliant on the government for your care.
Try it
How exposed is
your household?
Tick anything that applies. This is planning arithmetic, not a medical assessment — and nothing is saved or sent.
Your exposure builds as the boxes tick
One year of nursing care can cost $100,000+, and Medicare covers none of it.
Illustrative planning estimate only, not medical, legal, or financial advice. Costs from published long-term care averages ($100,000+/year nursing care; $500,000+ over five years).
How we build your plan
Before a crisis,
not after.
-
1
Understand your picture
Your health, your family history, your home, your savings, and who could care for you if you needed it.
-
2
Weigh the paths
Long-term care insurance, a protective trust, or a hybrid, weighed against your budget and goals with no product pushed.
-
3
Set it up properly
Policies placed directly; trusts built hand-in-hand with trusted elder law attorneys so they hold up when tested.
-
4
Stay protected
Reviews as your health and the rules change, so the plan keeps working for the road ahead.
Plan today, while you're healthy. It's not paperwork we deliver, it's peace of mind.