--- title: Why Long-Term Care Belongs on Your Year-End Planning Checklist description: Discover why incorporating LTC planning into your year-end financial review empowers clients with control, choice, and preparedness for future care costs. image: https://lhc.naifa.org/hubfs/AI-Generated%20Media/Images/A%20frazzled%20financial%20advisor%20looking%20at%20a%20calendar%20Their%20desk%20is%20covered%20with%20documents%20The%20background%20out%20the%20window%20is%20a%20suburban%20parking%20lot%20A%20lot%20of%20plants%20are%20in%20the%20office.png --- [**](https://lhc.naifa.org/lecpblog/why-long-term-care-belongs-on-your-year-end-planning-checklist#tmpmodule_1610372601348145) - [Join](https://belong.naifa.org/join) - [Renew](https://community.naifa.org/login.aspx) - [Find an Advisor Pro](https://findapro.lifehappens.org/) **** [![belong.naifa.orghs-fshubfslogo_NAIFA_white](https://lhc.naifa.org/hs-fs/hubfs/social-suggested-images/belong.naifa.orghs-fshubfslogo_NAIFA_white.png?width=140&height=109&name=belong.naifa.orghs-fshubfslogo_NAIFA_white.png) ![logo_NAIFA_NEW](https://lhc.naifa.org/hs-fs/hubfs/logo_NAIFA_NEW.png?width=100&height=73&name=logo_NAIFA_NEW.png) ](https://lhc.naifa.org/) [**](https://lhc.naifa.org/lecpblog/why-long-term-care-belongs-on-your-year-end-planning-checklist#tmpmodule_1610372601348145) - [Centers Home](https://centers.naifa.org/centers) - [LHC Home](https://lhc.naifa.org) - LHC Collectives - [Limited and Extended Care Planning Collective](https://lhc.naifa.org/lecp) - [Medicare Collective](https://lhc.naifa.org/medicare) - Advisory Councils - [Limited and Extended Care Planning Advisory Council](https://lhc.naifa.org/advisory-council) - [Medicare Advisory Council](https://lhc.naifa.org/mc-advisory-council) - Advocacy - [Limited and Extended Care Planning Legislative Working Group](https://lhc.naifa.org/legislative-working-group) - [Medicare Legislative Working Group](https://lhc.naifa.org/medicare-legislative-working-group) - [Advocacy Action Center](https://advocacy.naifa.org/news) - Events - [Inside the New NAIFA Medicare Collective Working Group webinar recording](https://vimeo.com/1211793994/19889c51bc?share=copy&fl=sv&fe=ci) - [Medicare Collective Impact Day 2026 Recording](https://belong.naifa.org/navigating-disruption-and-market-contraction-in-medicare-business-in-2026-and-beyond) - [Peak 65 Series: Impact Day for Lifetime Healthcare Recording](https://lhc.naifa.org/peak65) - [Limited and Extended Care Planning Archives](https://lhc.naifa.org/archives) - [2025 LECP Impact Day Recording](https://vimeo.com/1138688419/b50a406b29?share=copy&fl=sv&fe=ci) - [LHC Webinars](https://lhc.naifa.org/archives) - Blogs - [Limited and Extended Care Planning Blog](https://lhc.naifa.org/lecpblog) - [Medicare Blog](https://lhc.naifa.org/mcblog) ** ![LHC-header](https://lhc.naifa.org/hs-fs/hubfs/LHC-header.png?width=1920&height=960&name=LHC-header.png) # **Limited and Extended Care Planning Collective** The LECP Collective empowers professionals to network with solution and service providers to share best practices, directly access subject matter experts, research, training and resources; and provide thought leadership so we may continue to address the changing needs of the market. ###### 2 min read # [Why Long-Term Care Belongs on Your Year-End Planning Checklist](https://lhc.naifa.org/lecpblog/why-long-term-care-belongs-on-your-year-end-planning-checklist) By [The Krause Agency](https://lhc.naifa.org/lecpblog/author/the-krause-agency) on 12/5/25 11:30 AM ###### Topics: [Long-Term Care](https://lhc.naifa.org/lecpblog/topic/long-term-care) [Limited & Extended Care Planning Center](https://lhc.naifa.org/lecpblog/topic/limited-extended-care-planning-center) [Knowledge Centers](https://lhc.naifa.org/lecpblog/topic/knowledge-centers) ![](https://lhc.naifa.org/hubfs/AI-Generated%20Media/Images/A%20frazzled%20financial%20advisor%20looking%20at%20a%20calendar%20Their%20desk%20is%20covered%20with%20documents%20The%20background%20out%20the%20window%20is%20a%20suburban%20parking%20lot%20A%20lot%20of%20plants%20are%20in%20the%20office.png) As the year winds down, advisors and clients focus on taxes, retirement contributions, and portfolio reviews. But one critical topic often gets overlooked: long-term care planning. Discussing long-term care (LTC) before year-end helps clients start the new year with a more complete, secure plan. The best time to plan is before care is needed, when clients still have control, options, and time on their side. | ![Mary Sizemore](https://lhc.naifa.org/hs-fs/hubfs/Mary%20Sizemore.png?width=201&height=192&name=Mary%20Sizemore.png) | | --- | | Mary Sizemore, CLTC, LTCCP  Insurance Communications and Marketing Coordinator Krause Agency |   ### Why Year-End Is the Perfect Time to Discuss LTC The end of the year is already a time for financial reflection. Clients are reviewing goals, budgets, and insurance, making it the ideal moment to discuss how potential care costs fit into their broader plan. A year-end LTC conversation allows advisors to: - Evaluate savings and cash flow for care costs - Review existing insurance coverage - Coordinate LTC strategies with tax and estate planning It’s a natural extension of the work you’re already doing. ### The Cost of Waiting to Plan Delaying LTC planning can be expensive. Costs continue to rise annually, and waiting until their health declines can limit your clients’ options and increase premiums. Addressing it early helps clients: - Lock in lower rates while healthy - Access more coverage choices - Avoid crisis-driven, reactive decisions ### Reframing the LTC Conversation LTC planning isn’t about fear—it’s about empowerment. Instead of focusing on “what if,” focus on control and choice: - *“How would you want your care to look?”* - *“Who would you trust to make decisions for you?”* - *“Would you prefer to receive care at home or in a facility?”* This shift helps clients see LTC planning as an act of independence, not anxiety. ### Flexible Ways to Fund Care Not every client needs a large policy. Even modest coverage can make a difference. Advisors can explore: - Hybrid life insurance with LTC riders - Annuities with care benefits - Short-term care insurance - HSAs for tax-efficient funding The goal: tailor protection to each client’s needs and budget. ### A Strong Finish for a Stronger Future Ending the year with a long-term care discussion helps clients enter the new year confident and prepared. 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