Nicole,
Per your ‘Better’ pick, I’ve added more details to the policy numbers and shown two alternative mixes.
Refined quotes
All three keep the same $7,500 annual cost × 10 yrs. Only the benefit mix changes.
Graph of benefits
See how each option stacks against projected CO costs if care starts at 80. Click any policy name or line for more detail.
My notes
I included the ‘Better’ policy you liked along with two similar versions so you can see the trade-offs at the same budget.
- Short: Get this to cover typical LTC costs.
- Medium: This is the most common choice.
- Long: Peace-of-mind for longer needs from Alzheimer's.
LTC costs in Colorado
Your benefits are below projected LTC costs—but that doesn’t mean you’ll pay the difference out of pocket. Assisted living often includes housing and meals, replacing everyday expenses. Other income, like Social Security, or assets can help bridge the gap.
👉🏻 Next steps
Just reply to my email or text with the column that feels closest—Short, Medium, or Long—and I’ll email you a policy illustration with your specific details to review.
Still learning?
Watch our 6-minute video on the best age to get LTC insurance.
Thanks,
Jesse
Jesse Vickey @ Long Term What?
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