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Long Term Care: What You Need to Know
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Long Term Care: What You Need to Know

ira By ira October 03, 2025
Long Term Care Planning | Triathlon Partners LLC

Long Term Care: What You Need to Know

70% of adults will eventually qualify for long term care services. Build a plan that protects your family, preserves choice, and aligns with your goals.

Watch Ira Koyner, The Original IRA explain Long Term Care in this video:

Start With Your Plan

Before picking a product, answer the questions that define the care you want.

  • Where do you want care—at home or in a facility?
  • Who should provide it—a spouse/child or a professional?
  • What sacrifices do you want loved ones to avoid?
  • How will you fund it—assets, insurance, riders, annuities?

Why Decide Early?

Eligibility, benefits, and pricing depend on your health and age. Planning early increases options and can reduce cost.

  • Protect retirement income & legacy
  • Preserve choice of setting & caregiver
  • Reduce stress on family members

Ways to Fund Long Term Care

Standalone LTC Insurance

Purpose-built coverage for care costs. Customizable benefit amounts, inflation options, and waiting periods.

Life Insurance + LTC Rider

Accelerate a portion of the death benefit for qualified care—efficient for those also seeking permanent life coverage.

LTC Annuity

Tax-advantaged way to reposition assets and leverage enhanced benefits for qualified care expenses.

Our Process

  1. Clarify goals & care preferences
  2. Estimate care costs by location
  3. Evaluate funding options & underwriting
  4. Implement and review annually

Ready to Talk?

Schedule a brief call to explore which strategy fits your situation.

FAQ

What triggers eligibility for benefits?

Typically, needing help with two or more Activities of Daily Living (e.g., bathing, dressing) or qualifying cognitive impairment.

Can I receive care at home?

Yes—many policies include home health care, which can help you stay in familiar surroundings.

Will premiums change?

It depends on the product type and carrier. We’ll show guaranteed vs. non-guaranteed elements before you decide.

Disclosure: TRIATHLON PARTNERS LLC is a registered investment adviser. The information presented is for educational purposes only and is not an offer to buy or sell any security or insurance product. Investments involve risk and are not guaranteed. Consult a qualified financial adviser and/or tax professional before implementing any strategy. Past performance is not indicative of future results. Investment Advisory Services are offered through TRIATHLON PARTNERS LLC. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions.