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    • Planning for health care costs and longevity

    Video thumbnail shows a measuring cup and a bowl next to a notebook page that lists the perfect recipe: Medicare, health savings accounts (HSAs) and long-term care insurance.
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    Planning for health care costs in retirement is an essential part of helping clients age with confidence and dignity.

    We can help you bring clarity to complex topics such as Medicare, long‑term care and longevity planning through resources designed to make these conversations more approachable. Use our tools and educational resources to guide informed discussions, and share this brief educational video with clients to help them prepare for conversations about health care costs and long‑term care planning.

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    This white paper outlines the basics of Medicare, explains the enrollment process, and discusses potential Medicare surcharges and uncovered costs.
    Numerous solutions are available today for insuring against long-term care and chronic illness expenses. Financial professionals will want to understand the differences in order to serve their clients' specific concerns.
    Get answers to clients’ top 3 Medicare questions from our recent Health Care Costs in Retirement Survey.
    Learn how you can help caregivers of special needs children protect their own future with long-term care strategies that support both their well-being and legacy goals.
    Medicare doesn’t cover all retirement health care costs. Explore strategies to help clients plan for common blind spots.
    Explore methods to address health care expenses in retirement for clients at different life stages.
    Learn why traditional financial planning horizons may fall short — and how to help individuals prepare for longer lives.
    Clients who retire before Medicare age could face costly gaps in health care coverage. Learn about their options for coverage.
    For clients
    With Medicare premiums increasing, your guidance is needed more than ever. Understand the changes and how you can help your clients financially prepare for them.
    Help your clients make sense of Medicare's many complexities. Learn more by reading "Medicare Explained: Answers to Client Questions."
    Help clients understand the benefits and tax-free growth of using an HSA as a long-term investment vehicle.
    This client-facing article identifies some Medicare misconceptions and recommends using the Health Care Cost Assessment to get a personalized report of estimated future medical expenses.
    For clients
    Fill out and submit this Health Care/LTC Cost Assessment Fact Finder to generate a personalized report that will help you and your financial professional plan for future medical expenses.
    For clients
    This client-facing brochure explains Medicare basics such as when to enroll and coverage options, as well as compares coverages among Parts A, B, C, D and Medigap.
    For clients
    With people living longer than in previous generations, this white paper explores 6 topics that you may want to consider in longevity planning.
    The cost of health care in retirement is an overlooked part of retirement planning. Learn more about the impacts of health care costs on retirement income.
    Medicare is an important part of your clients' health care in retirement. Check out an overview of Medicare and how it works.
    There are expenses clients can expect in retirement, including Medicare Parts B and D and Medigap insurance. Watch and learn more about each option and what Medicare doesn't cover, such as long-term care.
    Medicare needs, coverages and impacts to costs may vary from year to year. This video breaks down the yearly changes to Medicare.
    Our Health Care/LTC Cost Assessment can help predict expenses, giving you and your clients time to plan. Learn how to leverage both the tool and our personalized report.
    Learn how HSAs can be an effective way to save for health care costs in retirement, particularly for women.
    For clients
    Read how triple tax advantages make health savings accounts (HSAs) a powerful tool for savvy financial planning.
    Clients may not realize that Medicare doesn't cover all medical expenses, and they may need your guidance.
    This white paper explains LTC options and considers how to think creatively in planning for long-term care in retirement.
    For clients
    There are many myths associated with LTC benefit models. Learn how to discuss reimbursement and cash indemnity with your client.
    Uncover common LTC insurance misconceptions and get talking points for positive planning conversations.
    Get 6 suggestions for redirecting LTC discussions to a more positive path.
    Family gatherings can be a good time to launch the LTC discussion, learn some tips for a successful conversation.
    For clients
    Use our resource guide to help you take care for your loved ones — and care for yourself.
    For clients
    Learn how an indemnity LTC benefit within an irrevocable life insurance trust may help high net worth clients avoid unexpected estate taxes.
    This client-facing guide about how and when to enroll in Medicare also details notable enrollment periods other than the 7-month initial enrollment period around age 65.
    For clients
    This client-facing guide details what is covered under each Medicare "part" and the related costs, as well as comparing and contrasting Original Medicare and Medicare Advantage.
    For clients
    This client-facing article compares and contrasts Original Medicare vs. Medicare Advantage, including costs, coverage limits, and guarantees.
    For clients
    This client-facing article explains why pre-existing conditions and family medical history are important considerations when making Medicare decisions.
    For clients
    Since long-term care is not covered by Medicare or Medigap, this client-facing article explains why planning for LTC expenses in retirement is so important.
    For clients
    This client-facing article presents some of the options you have if you're working past your 65th birthday and still covered by your employer's insurance.
    For clients
    This client-facing article discusses Part D details, including costs as well as potentially changing prescription drug coverages and gaps.
    For clients
    This client-facing article discusses Medigap as a supplemental insurance, paying out-of-pocket expenses not covered by Medicare Parts A and B.
    For clients

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