---
title: Perception vs. Reality | Retirement Risks
description: "The retirement risks: perception vs reality"
image: http://ltcipartners.typepad.com/.a/6a0111689a03b2970c01a73d9a8c9e970d-800wi
---

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[Jun 3, 2026

### 6 Tax-Smart Strategies to Fund a Long-Term Care Insurance Policy

](https://www.ltcipartners.com/blog/6-tax-smart-strategies-to-fund-a-long-term-care-insurance-policy)

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Mar 26, 2014 • [LTCI Partners](https://www.ltcipartners.com/blog/author/ltci-partners)

## Perception vs. Reality | Retirement Risks

- [For financial professionals](https://www.ltcipartners.com/blog/topic/for-financial-professionals)

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Health care costs are “front of mind” these days for clients planning for retirement or recently retired.  Americans are living longer and although longevity is a concern, it’s the cost of longevity that worries most clients – this should also include long-term care. 

Long-term care costs run the risk of putting a client’s retirement savings at risk unless they put a plan in place to help offset these expenses.  Starting the conversation with clients is about finding a strategy to fund and manage a long-term care event. 

 

[![Info](http://ltcipartners.typepad.com/.a/6a0111689a03b2970c01a73d9a8c9e970d-800wi "Info")](http://ltcipartners.typepad.com/.a/6a0111689a03b2970c01a73d9a8c9e970d-pi)  
Source: LIMRA, "Guaranteed Uncertainty," 2011.

## Written by [LTCI Partners](https://www.ltcipartners.com/blog/author/ltci-partners)

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