Long-Term Care & Disability

Support for Health, Lifestyle, and

Security in Later Years

Preparing for the possibility of extended care is essential to protecting both independence and financial

stability. At Petrosian Financial Group Inc., we provide strategies designed to address medical support, daily

living needs, and income protection, giving families confidence that their future is planned with care.

Facing the Reality of Long-Term Care with Confidence

On average, a person who requires long-term care benefits needs support for about three years.

Needing care can place an emotional and financial strain on families. By planning early, you can help ease this burden and make choices that protect both your health and your independence. Coverage is also easier to secure while you are healthy, which is why starting sooner provides more flexibility.

The value of long-term care insurance lies in giving loved ones the ability to guide your care, rather than provide it themselves.

The Meaning and Importance of Long-Term Care

Long-term care (LTC) extends beyond basic medical treatment to provide the support you may need if a chronic illness, disability, or serious health condition prevents you from caring for yourself for an extended period (more than 90 days). While it is often associated with older adults, long-term care is also essential for younger or middle-aged individuals who may face a sudden illness or accident that limits their independence.

Receiving long-term care ensures that day-to-day needs are met, while also reducing the emotional and physical strain placed on family members who would otherwise be responsible for ongoing assistance. Planning for this type of care offers peace of mind, knowing that help will be available when it’s needed most.

You may require long-term care due to:

  • Dementia or Alzheimer’s disease

  • Stroke

  • Complications related to diabetes

  • Other chronic or debilitating health conditions

Nearly 70% of adults over the age of 65 will need some level of long-term care during their lifetime.

Have You Considered Your Long-Term Care Plan?

Planning ahead means protecting both your independence and your retirement savings. Without preparation, the responsibility often falls on loved ones — emotionally, physically, and financially.

Who will be by your side?

Will it be your children, your spouse, or a qualified professional? How might this decision shape the lives of those closest to you?

Where will your care take place?

Do you picture receiving care in your own home, at an assisted living community, in a nursing facility, or perhaps in your child’s home?

How will the costs be covered?

Will you depend on your own assets? If so, which ones will you use first, and are they liquid enough? Or will you safeguard your savings with a long-term care insurance policy?

Secure Tomorrow with a Thoughtful Plan

Creating a clear roadmap for long-term care eases uncertainty for you and your loved ones. When decisions are made ahead of time, it reduces stress and ensures your wishes are honored. Take the opportunity now to put a plan in place that respects your dignity and protects what matters most.

The information provided herein is the exclusive property of Petrosian Financial Group, Inc. This material has been prepared for informational and educational purposes only. It is not intended to provide nor should be relied upon for accounting, legal, tax, or investment advice. © 2025. Petrosian Financial Group, Inc.

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