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How to Pay for Long-Term Care
February 2026
|Kiplinger's Personal Finance
A couple of months ago, I wrote that many Americans significantly underestimate how long they could live in retirement (see “Living in Retirement,” Dec.). With the possibility of a 30-year retirement becoming more common, retirees need to plan for so-called longevity risk to make sure their assets last a lifetime. And the longer you live, the more likely you'll need to pay for some form of long-term care. That can range from assistance with activities of daily living to in-home care to a nursing home stay.
The sticking point is that you don’t know where you might fall on this spectrum. “It’s hard for an individual to take action about an unknown cost for an unknown period of time, so inertia sets in,” says Douglas Ornstein, Director, TIAA Wealth Management. To get you moving, let’s take a look at three main ways to pay for long-term care.
هذه القصة من طبعة February 2026 من Kiplinger's Personal Finance.
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