Learn About The Immediate
Care Funding Plan

Get Peace of Mind knowing your
loved one won't run out of money.

Care at the Facility of Choice or at Home

Safeguard Legacies

Protect the Well-Being of Family

Protection for a Time That
Wasn’t Planned For

Although a long life is a cherished aspiration for many, the reality often entails navigating through health issues and frailty that naturally accompany the aging process. Long-term care, a necessity for many during this phase, can bring about significant financial and emotional stress for both the recipients and their caregivers. 

Suddenly, income and assets earmarked for other goals- lifestyle for a spouse or partner, a legacy for children, grandchildren, or a favorite charity – are at risk.  In addition to organizing, supervising, and perhaps providing care, families begin to worry about the ability to sustain care over time.  Will they have enough resources to provide the best care for as long as it may be needed?

Medicare only covers short-term care, and Medicaid or other government programs may not be available or the right choice.

If you are paying for care, how long could you maintain that level of spending as well as accommodate the near-certain increases in the cost of care?

It’s typically impossible to know how long care will be needed and how those costs will increase over time. We know that those care costs are almost guaranteed to increase, and a loved one will likely need more care with time.

The Unintended Income Gap

A long-term care event during retirement opens a gap 

between planned income and increased expenses.

This is a hypothetical illustration and assumes household income is fixed at $5,000/mo. and household expenses at $3,000/mo. After a long-term care event, the household experiences an additional $5,000/mo. in expenses for homemaker services, causing their monthly expenses to exceed their monthly income.

A New Option for People Who Are Already in Care or Will Need Care Soon

Now, there’s another option – one that can guarantee an income for life, paying for care and relieving loved ones of the financial and emotional burden so often associated with care needs.  It’s available to those already receiving care or likely to need it very soon.  

The Immediate Care Funding Plan can help relieve those impacted by the need for long-term care by:

Creating a reliable stream of income that can be dedicated to providing the type of care needed, for as long as it is needed.

Creating a ceiling on the maximum financial outlay for care.

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Removing the stress, worry and effort associated with finding funds to support ongoing care costs.

Providing a path for preserving a legacy (for family, charities, organizations, etc.).

Meet Dotty

Dotty is 84, a widow, and lives in a small town in Colorado.  Her daughter, Jean, has been attentive, ensuring Dotty is safe and comfortable living independently. However, they live six hours away.

Dotty and her husband were not wealthy but owned their own home and saved as much as possible. She has always been proud of over 200 acres of land her father accumulated during his lifetime. It has been in their family for over 100 years. 

Dotty has had a series of small strokes related to vascular dementia. She also has had a few falls. She needs assistance with most of her daily activities. And is unable to drive, shop, or prepare meals. Living in a small town, care resources are difficult to find, and Dotty is growing isolated. Jean is worried about her safety and, as a result, has decided to move her mother to an Assisted Living Facility near her.

Concerns about running out of money

Jean is worried about being able to cover the cost of Dotty’s care for the length of
time she is likely to need it. Dotty’s mother lived to be 103. The $350,000 in savings would last just over six years, assuming no increase in the cost of care. A more realistic assumption of an annual 5% increase would further reduce the six years. Given Jean is not a wealthy person, she cannot fill the gap. Unfortunately, Jean may have to begin selling the land her grandfather accumulated over 100 years ago to pay for her mother’s ongoing care.

Knowing her mother’s wish to leave the land in the family and not put it in the hands of a developer, Jean decides to contact SRP for assistance.  She found out she could allocate just over $225,000 of Dotty’s savings to create a plan that would cover her current cost of care for the rest of her life.

Dottys financial situation

This is a hypothetical illustration.

Financial worries that have been addressed

Dotty is pleased and gratified to know her father’s legacy will remain in the family.

Jean can rest easy. No longer is she worried about compromising her mother’s care because of limited funds, or, even worse, running out of funds altogether.

Dotty’s care is paid for, no matter how long it may be needed. And she capped her maximum out of pocket care expense at $225,008 without depleting her assets.


Let us take care of everything!

Become empowered with flexible choices that help you access the best care and keep the financial security you deserve.

Schedule a discovery call

To share your situation with us. We’re here to listen and guide you to make the best choices that fit your specific needs.

We’ll prepare a comprehensive plan

To help you plan to pay for long-term care with options and strategies that will maximize your

Rest easy you have the right plan secured

You’ll be guided through the whole process.

Knowledge to empower you:

Medicaid Do’s & Don’ts: 5 Critical Mistakes People Make When Applying For Medicaid

3 Ways To Save $70,000 and more On Long Term Care

Feel at peace knowing you’re making the best, informed financial decisions for yourself or your loved one.

Nobody should lose their life savings to pay for their care.  The right guidance can get you the best care without going broke or uprooting your life.

Medicaid Do’s & Don’ts: 5 Critical Mistakes People Make When Applying For Medicaid

3 Strategies You Will Want To Know To Save You Thousands Of Dollars On Long Term Care