Planning Ahead for Life’s Unexpected Turns
Disability & Long-Term Care Planning
Life has a way of changing without notice. A sudden illness or injury can affect not just your health—but your income, savings, and family’s stability. At Utica Capital, we help clients across Tulsa and Edmond create proactive plans for disability and long-term care, so you’re prepared for whatever life brings next.
Our advisors design protection strategies that fit your stage of life, your goals, and your financial responsibilities. We help you maintain independence, safeguard income, and protect your assets—because peace of mind is worth planning for.
Preparing for What Tomorrow May Bring
What’s Included in Our Disability & Long-Term Care Planning Services
Income Replacement Analysis
Understand how much protection you need if you’re unable to work temporarily or permanently.
Disability Insurance Review
Evaluate existing coverage and identify opportunities for improvement.
Long-Term Care Strategy Design
Explore coverage options for home care, assisted living, or nursing needs later in life.
Hybrid & Linked Benefit Plans
Combine life insurance with long-term care coverage for flexible protection.
Family & Estate Integration
Coordinate with your financial and estate plans to protect family wealth.
Why Clients Choose Utica Capital
Clients choose us because...
Disability and long-term care planning require more than numbers—they require empathy, understanding, and foresight. At Utica Capital, we help clients protect their lifestyles and families with strategies that fit real-world needs.
Clients rely on our firm because we:
- Customize protection strategies to individual and family goals.
- Review all existing policies for efficiency and accuracy.
- Provide honest, fiduciary guidance with no sales pressure.
- Coordinate with your tax and legal advisors for a cohesive plan.
When should I start thinking about long-term care planning?
It’s best to plan early—often in your 40s or 50s—while coverage options are most affordable and health qualifications are favorable.
What’s the difference between disability insurance and long-term care insurance?
Disability insurance replaces lost income if you can’t work due to illness or injury, while long-term care insurance helps cover the costs of ongoing personal or medical care.
Do I need both types of coverage?
In many cases, yes. Each addresses different risks. We’ll help you evaluate which combination makes sense for your financial and family situation.
Can you help review policies I already have?
Absolutely. We regularly review existing coverage to ensure benefits, premiums, and terms align with your goals and needs.
