{"id":122,"date":"2026-10-24T10:00:00","date_gmt":"2026-10-24T10:00:00","guid":{"rendered":"https:\/\/www.networkth360.com\/blog\/?p=122"},"modified":"2026-10-24T10:00:00","modified_gmt":"2026-10-24T10:00:00","slug":"life-disability-and-long-term-care-insurance-planning-considerations","status":"publish","type":"post","link":"https:\/\/www.networkth360.com\/blog\/2026\/10\/24\/life-disability-and-long-term-care-insurance-planning-considerations\/","title":{"rendered":"Life, Disability, and Long-Term Care Insurance: Planning Considerations"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>A complete financial plan includes life insurance to replace income and pay liabilities if the primary earner dies, disability insurance to replace income if illness or injury prevents working, and a plan for long-term care costs in retirement. Life insurance needs decrease over time, with term policies being cost-effective when young. Disability insurance often requires supplementation beyond employer coverage. Life insurance can also serve estate planning purposes later in life. Beneficiary designations should be reviewed annually.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.kiplinger.com\/retirement\/long-term-care\/long-term-care-insurance\/603793\/important-planning-considerations\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A complete financial plan includes life insurance to replace income and pay liabilities if the primary earner dies, disability insurance to replace income if illness or injury prevents working, and a plan for long-term care costs in retirement. Life insurance needs decrease over time, with term policies being cost-effective when young. Disability insurance often requires [&hellip;]<\/p>\n","protected":false},"author":463,"featured_media":123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/users\/463"}],"replies":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/comments?post=122"}],"version-history":[{"count":1,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/122\/revisions"}],"predecessor-version":[{"id":124,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/122\/revisions\/124"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/media\/123"}],"wp:attachment":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/media?parent=122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/categories?post=122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/tags?post=122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}