A Simple Guide to Long-Term Care Coverage for Educators

What Every Teacher Should Know About Planning for Extended Care Needs

You’ve spent your career helping others learn and grow. But have you taken the time to plan for your own future care?
Long-term care (LTC) refers to the personal care services you may need if chronic illness, injury, or aging makes it difficult to perform everyday activities like bathing, dressing, or eating. And no, it’s not just for the elderly — over 40% of people who require long-term care are under age 65.

Why This Matters for Teachers

Educators often focus on their pension and health coverage, but many are surprised to learn that long-term care isn’t covered by health insurance or Medicare beyond short-term rehabilitation. And relying on your district plan? It likely offers little or no long-term care support.

Without a plan, care costs can eat through savings fast:
– Assisted living: $54,000/year average
– Home health aide: $61,000/year
– Nursing home: $108,000/year (private room)

(Source: Genworth 2023 Cost of Care Survey)

What Is Long-Term Care Insurance?

LTC insurance helps pay for personal care services in your home, assisted living, or nursing facility. You can purchase it as:
– A standalone policy
– A life insurance policy with a long-term care rider
– A hybrid policy that combines LTC coverage with a death benefit

Plans vary, but typically include:
– Daily/monthly benefit amount
– Coverage duration (e.g., 2–5 years or lifetime)
– Elimination period (waiting period before benefits begin)

What About Medicaid?

Medicaid covers long-term care only after you’ve spent down most of your assets. It’s a safety net — not a strategy. If you want choice, dignity, and asset protection, you’ll need your own plan.

A Realistic Scenario

Meet Lisa, a 58-year-old high school teacher. She’s healthy, active, and planning to retire at 62. Her mother required in-home care for 4 years — costing nearly $200,000. Lisa doesn’t want to burden her children or jeopardize her retirement. She purchases a hybrid LTC policy with a $200,000 benefit and life insurance coverage, locking in premiums while she’s still healthy.

Consider This

– LTC policies are more affordable the younger and healthier you are
– Teachers often have access to state partnership programs, which can protect more of your assets if you ever need Medicaid
– Women typically need care longer than men — and are more likely to be caregivers themselves

Quick LTC Readiness Checklist

• Have I considered how I’d pay for care if I needed help for 2–5 years?
• Do I know what my school benefits do (and don’t) cover?
•  Have I looked at hybrid or standalone long-term care options?
• Would I rather plan ahead — or rely on family or Medicaid?

Take the Next Step

Planning for long-term care isn’t just smart — it’s compassionate. It protects your independence and your loved ones.

👉 Schedule a Free 15-Minute Consultation:

📘 Bonus Resource:
Download the Income Protection Workbook for Educators — it includes long-term care reflection prompts and planning tips.
👉 Get the Free Workbook:

📞 Still have questions? I’m here to help. Let’s talk.
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Talk soon,
Walter Johnson
Founder, Protecting Teachers’ Income
CA Insurance License OJ15814
walter@protectingteachersincome.com
www.protectingteachersincome.com