Long-Term Care Planning Checklist
Your Plan Today. Their Peace of Mind Tomorrow.
Long-term care planning is about protecting your independence, your savings, and the people you love. Use this checklist to take proactive steps toward a secure future.
Understand What Long-Term Care Includes
It may include in-home care, assistance with daily activities, assisted living, memory care, skilled nursing, rehabilitation, and adult daycare services.
Organize Important Legal Documents
Keep your will or trust, healthcare directive, Power of Attorney, HIPAA forms, and beneficiary designations up to date and easily accessible.
Review Current Health and Family Medical History
Understand your risk factors by reviewing chronic conditions, family history, medications, mobility, and lifestyle. The earlier you start, the more options you have.
Discuss Wishes With Family Members
Talk openly about care preferences, financial expectations, and caregiving boundaries. Communication today can prevent stress and conflict tomorrow.
Know What Medicare Does—and Does Not—Cover
Medicare typically covers short-term rehab and limited skilled care, but not long-term custodial care or extended assisted living.
Explore Long-Term Care Funding Options
Consider solutions like long-term care insurance, hybrid life solutions, asset-based strategies, self-funding, and Medicaid planning (if applicable).
Estimate Potential Future Care Costs
Research the costs in your area for home care, assisted living, skilled nursing, and memory care. Remember—healthcare inflation continues to rise.
Review Existing Insurance Policies
Review life, disability, annuities, LTC riders, employer benefits, and Veterans benefits. You may already have valuable coverage.
Evaluate Current Retirement Assets
Review savings, investments, retirement accounts, home equity, and existing insurance. Ask yourself: “How would a prolonged care event impact my income and legacy goals?”
Create an Emergency Care Plan
Keep a centralized list of medications, doctors, contacts, insurance, legal documents, and care preferences for quick access.
Identify Who Would Make Decisions If Needed
Ensure trusted individuals have legal authority through Power of Attorney and understand your wishes for healthcare and finances.
Revisit the Plan Regularly
Review your plan as health, finances, family dynamics, and laws change to ensure your strategy remains aligned with your goals.
Stina Antonopoulos
Retirement & Legacy Senior Advisor
Roots and Wealth Group — a subsidiary of SJA Financial Services LLC
707-932-5847 | 707-WEALTH7
[email protected] | www.rootsandwealth.com
CA License: 4374774 | NPN: 20996862
“My mission is simple: to help you protect your independence, grow your wealth, and create a legacy that lasts for generations.”
Here to guide you. Here for your family. Here for your future.