PowerX Insurance Highlights the Growing Urgency of Long-Term Care Planning in Today’s Retirement Landscape

PowerX Insurance & Financial Services Founder Tamelia Thomas empowers clients with leading LTC insurance and long-term care planning solutions

LAWRENCEVILLE, GA, UNITED STATES, November 18, 2025 /EINPresswire.com/ -- As Americans live longer and health care costs continue to rise, long-term care planning has rapidly become a cornerstone of modern retirement strategy. Yet millions still misunderstand what Medicare and traditional health insurance actually cover—leaving families exposed to high long-term care costs, unexpected financial strain, and crisis-driven decision-making.

PowerX Insurance & Financial Services, led by founder Tamelia Thomas, is addressing this national gap in long-term care education. The firm specializes in helping individuals, families, and business owners understand today’s most effective long-term care insurance solutions, including hybrid long-term care policies, asset-based plans, and the increasingly popular tax-free IRA-to-LTC strategies.

Long-Term Care Planning: A Critical Yet Overlooked Part of Retirement Security
Long-term care needs often arise from aging, disability, chronic illness, or conditions such as dementia and Alzheimer’s. Without advance planning, the financial and emotional impact on families can be significant.

“Long-term care planning protects your independence, your family, and your financial future,” says Thomas. “The earlier people understand their options, the more control they maintain over how they age.”

Key reasons today’s retirees are prioritizing long-term care insurance include:
• Control Over Your Care:
Planning early allows retirees to choose where they receive care—at home, in assisted living, memory care, or a nursing facility.

• Protection of Retirement Savings:
Rising long-term care costs can rapidly drain retirement accounts. A structured plan helps safeguard IRAs, 401(k)s, investments, and home equity.


• Relief for Family Members:
Millions of Americans provide unpaid caregiving. Proper coverage helps reduce the physical and financial strain placed on loved ones.

• Lower Premiums for Those Who Act Early:
Age and health are major factors in securing affordable long-term care coverage. Acting early increases approval rates and locks in better pricing.

Today’s Top Long-Term Care Insurance Options (2025)
The long-term care industry has evolved significantly, offering more flexible, guaranteed, and user-friendly solutions.

Hybrid Long-Term Care Insurance (Life + LTC Benefits)
Hybrid long-term care insurance—one of the fastest-growing solutions—combines life insurance with long-term care protection. These policies offer:
- Guaranteed premiums

- Tax-free long-term care benefits

- A life insurance death benefit if LTC is never used

- Flexible payment schedules

These policies address the common fear of “paying for something you might never use.”

Asset-Based Long-Term Care Insurance
Asset-based LTC plans use a single premium or short-pay structure to create guaranteed long-term care benefits. They often include:
- Predictable, guaranteed coverage

- Cash value accumulation

- Return-of-premium features

- Strong inflation protection

These plans are ideal for clients who prefer stability and want to avoid decades of premium payments.

Lifetime Long-Term Care Riders
Attached to certain annuities and life insurance products, these riders offer:
- Lifetime long-term care benefits

- Guaranteed pricing

- Protection against rising care costs

They help ensure coverage lasts as long as a client may need it.

Using an IRA to Create Tax-Free Long-Term Care Benefits
One of the most innovative and tax-efficient strategies today is the IRA-to-LTC conversion, which uses IRS-approved structures to turn taxable IRA dollars into tax-free long-term care benefits.

How It Works:
Using Pension Protection Act rules and specialized annuity or hybrid structures, retirees can:
- Transfer IRA funds into a long-term care annuity or hybrid LTC plan

- Convert taxable distributions into tax-free LTC benefits

- Create guaranteed lifetime income

- Protect savings from future care costs

Why It Matters:
This strategy allows retirees to:
- Fund LTC protection without new out-of-pocket spending

- Reduce tax burdens on heirs

- Preserve legacy assets such as home equity

- Protect retirement funds from high long-term care expenses

PowerX Insurance: A Leader in Long-Term Care and Retirement Protection
PowerX Insurance & Financial Services, founded by Tamelia Thomas, takes an education-first approach to long-term care planning and retirement security. The firm provides:
- Personalized long-term care assessments

- Hybrid and asset-based long-term care solutions

- Guaranteed-premium LTC options

- Tax-optimized IRA-to-LTC conversions

- Comprehensive retirement income protection strategies

PowerX is dedicated to helping clients safeguard their health, wealth, lifestyle, and independence—no matter what the future holds.

Tamelia Thomas
PowerX Insurance & Financial Services LLC
+1 770-910-7912
tamelia@powerxinsurance.com
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