Long-Term Care
Why Long-Term Care Planning Matters
Long-term care isn’t just nursing home care. It includes a wide range of services that help you maintain daily living when health challenges arise, such as:
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Assistance with bathing, dressing, or eating
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In-home caregiving support
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Adult day care services
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Assisted living facilities
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Memory care
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Skilled nursing care
These services can be costly—and Medicare does not typically cover most long-term care needs. Planning ahead ensures you won’t have to rely solely on family, personal savings, or emergency decisions when care is needed most.
Protect Your Savings and Your Independence
A well-designed long-term care strategy can help:
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Preserve your retirement savings
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Provide more choices for where and how you receive care
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Reduce stress for your spouse or family
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Safeguard your estate from the high costs of long-term support
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Give you confidence knowing that care is available when you need it
Garry Edwards works individually with each client to explore the most suitable options and tailor a plan that works for your budget and health needs.
Types of Long-Term Care Solutions
Every person’s needs are unique, and so are the options available. Depending on your goals, we can help you explore:
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Traditional Long-Term Care Insurance
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Hybrid policies that combine long-term care benefits with life insurance
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Annuities with long-term care riders
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Home care and assisted living coverage options
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Alternate solutions designed to protect your income and assets
We simplify the choices so you understand the benefits, limitations, and costs of each option before making a decision.
Our Commitment to You
With more than 40 years of experience serving seniors throughout the Southeast, Garry Edwards provides trusted, integrity-based guidance backed by a fiduciary standard of excellence. His independent status gives you access to multiple carriers, competitive rates, and the highest quality long-term care solutions.
Whether you’re planning for the future or already exploring care for a loved one, we are here to help you make informed, confident decisions.
Planning ahead is the best way to stay in control of your future care.
Contact us today to learn how long-term care planning can help protect your health, your finances, and the people you love.
Frequently Asked Questions
Does Medicare cover long-term care?
Medicare covers short-term skilled nursing care after a hospital stay, but it does not pay for most long-term care or daily living assistance. Planning ahead helps you avoid unexpected costs and protect your savings.
When should I start planning for long-term care?
Most people begin planning in their 50s or early 60s, while premiums are lower and health qualifications are easier to meet. However, it’s never too late to explore your options.
What types of long-term care solutions are available?
You can choose from traditional long-term care insurance, hybrid life insurance with LTC benefits, annuities with care riders, and other asset-protection strategies. Garry helps you compare each option so you can choose the one that best fits.
What if I want to stay at home instead of moving to a facility?
Many long-term care solutions offer in-home care benefits, allowing you to receive help with daily activities in the comfort of your home. This is one of the most requested features among our clients.
Address:
7 Professional Parkway, Suite 203, Hattiesburg, MS