{"id":608,"date":"2026-04-19T09:00:00","date_gmt":"2026-04-19T13:00:00","guid":{"rendered":"https:\/\/crookncovenant.com\/page-home\/?p=608"},"modified":"2026-04-19T09:00:00","modified_gmt":"2026-04-19T13:00:00","slug":"should-you-buy-long-term-care-insurance-or-self-insure","status":"publish","type":"post","link":"https:\/\/crookncovenant.com\/page-home\/should-you-buy-long-term-care-insurance-or-self-insure\/","title":{"rendered":"Should You Buy Long-Term Care Insurance or Self-Insure?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Deciding between long-term care insurance and self-insuring depends on risk tolerance, net worth, and potential care costs. Nursing home care can exceed $100,000 annually, making self-insuring impractical for those with under $500,000 in assets. Insurance suits those with $500,000 to $2\u20133 million in assets, while high-net-worth individuals may self-insure by setting aside dedicated funds. Hybrid life-LTC policies offer a middle ground, and couples should consider home adaptability or downsizing to manage care costs.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.kiplinger.com\/retirement\/long-term-care\/long-term-care-insurance\/602842\/long-term-care-insurance-to-buy-or-not-to\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Deciding between long-term care insurance and self-insuring depends on risk tolerance, net worth, and potential care costs. Nursing home care can exceed $100,000 annually, making self-insuring impractical for those with under $500,000 in assets. Insurance suits those with $500,000 to $2\u20133 million in assets, while high-net-worth individuals may self-insure by setting aside dedicated funds. Hybrid [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":609,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts\/608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/comments?post=608"}],"version-history":[{"count":1,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts\/608\/revisions"}],"predecessor-version":[{"id":610,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts\/608\/revisions\/610"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/media\/609"}],"wp:attachment":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/media?parent=608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/categories?post=608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/tags?post=608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}