How Inflation Eats Your Long-Term Care Insurance

Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation · Aug 9, 2026 · 6m · transcript

Lucas and Luna kick off Episode 155 of Inflation and Your Money by unpacking a new set of inflation data from early August 2026, then dive into a topic that rarely gets airtime: how inflation silently erodes long-term care insurance policies. They walk through the sticker shock of care costs—a private nursing home room now averaging well over $120,000 a year—and explain why the 3-5% inflation riders on most policies still leave you short. They break down the math: a 55-year-old buying a policy today faces a 30-year horizon where care costs could double, yet most riders cap at 5% and many…