Long-term care insurance doesn’t kick in right away. Most plans have a 90-day elimination period where you’re paying out of pocket—sometimes up to $30,000—before coverage starts. 😬 But here’s the good news: if you plan ahead, you can use affordable services like Vivia to get through those 90 days without going broke. Grateful to Hawaii State FCU for helping us share what matters 🫶 #PlanAhead #LongTermCare101 #KupunaCare #ElderlySupport #AgingInPlace #SeniorHealth