Roughly 70% of people over 65 will need some form of long term care, and the national median cost of a private nursing home room has passed $127,750 a year. Most retirement income plans aren't built to survive that. A care event doesn't just add an expense. It disrupts Social Security, accelerates portfolio withdrawals at the worst possible time, and can eliminate pension or annuity income for a surviving spouse.
This whitepaper breaks down exactly how a long term care event erodes retirement income, why most planning models miss it, and what a more complete framework looks like.
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