In 2025, here’s what full-time care looks like in Washington:
- Assisted Living: $5,750/month
- In-Home Care: $6,300/month
- Nursing Home (Private Room): $10,200/month
That’s up to $123,000 per year — and prices continue to rise.
What’s the problem?
- Medicare doesn’t cover long-term care
- Medicaid requires you to spend down most of your assets
- Traditional LTC insurance can be expensive and restrictive
But here’s the good news:
Modern plans allow you to reposition money you’ve already saved — like an annuity or IRA — into tax-free long-term care benefits that multiply your available coverage.
No new premiums. No losing control. And your estate stays protected.