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  • Topics
  • Health care costs & longevity

    • Help clients plan for the numerous expenses Medicare does not cover

    Explore strategies to address the rising cost of health care and long-term care.

    Get strategies (PDF)

    Key takeaways

    • Medicare ≠ long-term care coverage. Most custodial and extended care costs fall entirely on clients.
    • Expenses rise when income flexibility declines. Health care costs typically accelerate later in retirement.
    • Longevity increases exposure. Longer lifespans expand the window for high-impact care events.
    • Integrated planning protects income. Addressing LTC alongside retirement income planning improves resilience.

    Why planning for health care costs matters

    • Many clients overestimate Medicare’s role in covering long-term care
    • Coverage gaps combined with rising costs can threaten retirement income at the exact moment choices narrow
    • Proactive planning helps preserve flexibility, confidence and long-term income sustainability

    Health care cost topics to explore

    If clients are unclear about Medicare

    Help them understand coverage limits and common misconceptions

    If health care costs feel unpredictable

    Devise strategies for handling rising medical expenses in retirement

    If protecting income is the priority

    Consider approaches to managing longevity and care-related risks