Long-Term Care and Disability
Don't let an illness or injury force you to sell.
Long-term care and disability coverage. The two protections that keep an extended illness or a lost income from forcing you to sell the position you spent years building.
The exposure
Risks people forget to plan for.
Planning around a crypto position usually focuses on growth, tax, and succession. Two risks get less attention and do more damage. A long-term care event, where years of paid care fall largely outside health insurance and Medicare. And a disability during working years, where an injury or illness cuts off income while expenses continue.
Both arrive without warning, run for years, and are naturally paid by selling assets. For a concentrated crypto holder, that means liquidating under pressure. This coverage pays benefits when these events occur, so the position stays intact.
Coverage choices
Two ways to cover long-term care.
Long-term care is expensive, extended, and largely outside what health insurance and Medicare cover.
Benefits generally begin once you cannot perform a set number of daily living activities or have a cognitive impairment, after an elimination period.
Standalone long-term care
A dedicated policy that pays toward qualifying care. Lower premiums per dollar of benefit, but premiums can rise, and nothing is returned if care is never needed.
Hybrid coverage
A life or annuity contract with a long-term care benefit. It pays for care if needed. If not, remaining value passes to beneficiaries. Higher, often fixed premiums.
How it fits the plan
Protecting your income while you're still working.
Disability income replaces a portion of earned income if illness or injury stops you from working. The definition matters most. Own-occupation pays if you cannot perform your specific occupation, which is broader and more expensive. Any-occupation pays only if you cannot work any suitable role, which is narrower and cheaper.
Benefit period, waiting period, and inflation adjustment shape what the coverage is worth. DAG places across carriers and matches the terms to your situation.
Benefits
Why people carry both.
Care without a forced sale
Long-term care benefits pay toward extended care, so a multi-year event does not require liquidating under pressure.
Income protected
Disability coverage replaces part of earned income if you cannot work.
Hybrid value if unused
Life and annuity hybrids return remaining value to beneficiaries if care is never needed, at a higher premium.
Definitions matched to your work
Own-occupation and any-occupation options selected to fit how you earn.
The balance sheet stays intact
Both protections keep an unplanned event from draining the wealth the plan is built around.
Independent carrier selection
Coverage shopped across carriers, subject to availability and underwriting.
Did you know
Standard health insurance and Medicare cover very little long-term custodial care, the extended daily assistance most people eventually need. That gap is what long-term care coverage fills. Triggers and covered settings vary by policy.
When benefits begin
Long-term care benefits generally begin once a person cannot perform a set number of daily living activities or has a cognitive impairment, after a policy-defined elimination period.
Frequently asked questions
Question 01 of 05
Why not self-insure with my crypto?
Some people choose to. It generally means relying on your own assets to cover a multi-year need, which can require converting holdings to cash at times that may not be favorable. Whether that approach makes sense depends on the size and liquidity of your holdings and your broader circumstances, and a review with a licensed professional can help you weigh the trade-offs.
Next step
The coverage many people overlook, and later wish they hadn't.
A coverage review starts with your circumstances, your income, and how your current coverage performs. Guided by our licensed professionals, it surfaces gaps that are easy to miss. Most clients leave with a written summary and a clear view of where their exposure sits.