Women and Long Term Care

Women tend to live longer than men. Couples often spend their retirement money on the husband’s care first, because often men need help first. Sometimes, little is left for the other spouse.

  • 8 out of 10 people who live to 100 or older are women.

  • Only 13 percent of women over 85 are married (78 percent are widows).

LTC Insurance can be especially critical for women.

  • Ensure your independence. You choose:  your home or a nursing home. 

  • Lessen the burden on your family.  The insurance gives them peace of mind as well as you.

  • Choose the care you want.  Be free from government subsidy and government care decisions.

Case Study

"The Money Is Flying Out the Window"


"The money is flying out the window.” I’ve heard it over and over again. Even one of my very first clients said it to me. I took note.

So did she.  She got LTC Insurance.

Case Study


Renee R.* was married for fifty years to a wealthy physician. Renee raised their two children, helped her husband in his office, and created a beautiful home in their apartment on the Upper East Side of New York City.

Renee and her husband were prudent money managers, and when he became ill at the age of 76, they had plenty of cash to pay for his care. He was ill for a long while, and totally debilitated. Renee needed to hire and manage caregivers who were present 24/7.

"I saw our life savings just flowing out the window," Renee told me at our first meeting. "It was really scary."

After her husband's death, Renee was left to mourn - and to find herself becoming increasingly concerned with questions about her own life. Who would take care of her if she became ill and required care? Would she have enough money? Would her life savings disappear, leaving nothing for their children?

When Renee considered what was important to her, now, in the golden years of her life, she saw that two things really mattered: being able to stay in her own home, which was her center of well-being; and being able to leave a legacy of financial security for her children.

Renee bought a policy which provided her with roughly $500,000 of benefits over a three-year period, should she become in need of long term care. This amount grows every year to offset inflation.  The policy pays benefits for home care or for facility care, whichever Renee chooses.

And Renee has more peace of mind, knowing her essential needs are covered.

*Client's name has been changed to protect her privacy