By Steve Cain of LTCI Director of Sales and Business Development Leader For Advisor Use Only For decades, retirement planning has centered around a familiar set of questions: How much have you saved? Will your portfolio generate enough income? What rate of return do you need? When should you claim Social Security? These are important questions. But there's another one that often gets overlooked: What happens if retirement lasts longer, costs more, and includes a long-

For clients who own a tax-qualified LTC insurance policy, the tax advantages are significant. Whether it's a traditional or hybrid plan, benefits grow tax-free within the policy — and if a claim is made, those benefits are generally received tax-free as well. In 2026, benefits are tax-free up to the actual cost of care, or $430 per day for cash indemnity plans (indexed annually). e-based schedule and the 7.5% of AGI threshold. View Resource