Aging Happens.
Don't Let Unexpected Care Costs Drain Your Retirement.
Most families discover too late that traditional health insurance, including Medicare, rarely covers extended services like in-home care, assisted living, or memory care.
Get your free personalized care cost assessment and find out exactly what your family's financial exposure looks like before a crisis hits. Click below to get started.
Confidence For Your Future Care Needs
Planning for senior care costs can feel overwhelming and is often overlooked, but it doesn’t have to be. Open Arms has partnered with Waterlily, an innovative AI platform that can forecast your unique risk factors, potential care needs, and associated costs.
Whether you’re exploring care options for yourself or looking ahead for loved ones, by gathering just a few key details in a 5 minute survey, you’ll get personalized projections that reveal how a long-term care event could impact your finances and your family.
Armed with these insights, we can help you create a strategic plan to protect your assets, preserve your retirement, and support the people you love most.
Why Do I Need A Plan Now?
70% of individuals over age 65 will need some form of senior care.
Health insurance and Medicare typically don't cover extended care costs.
Just one year of assisted living or memory care expenses can reach over six figures.
Senior care is expensive, even if it’s "free." When adult children or spouses become primary caregivers, the hidden cost is their lost income, added stress, and potential health declines. By having a plan for professional care, you can lighten the load on loved ones.
What Is Waterlily & How Can Open Arms Help?
Think of it as having a personal research team and data scientist, all rolled into one. Waterlily collects and analyzes over 500 million data points on aging, caregiving, and local cost factors. When you fill out a quick, 5 minute online survey, its AI engine compares your health profile, demographics, and location with extensive datasets, creating a personalized LTC projection, decades before any care is needed.
You’ll see everything from the likely age care might begin, to how many hours per week might be handled by family, to whether you can expect at-home help or a nursing facility for the more advanced stages.
Armed with this clarity, and Open Arms' expertise in hospital discharge planning, care resource implementation, and insurance strategies, we can then talk about different ways to pay for care.
The result: A custom plan that fits your life, your care, and your budget.
Super Simple 3 Step Process
Input Your Details
IIn just a few clicks, you’ll fill out Waterlily’s secure intake form covering your health status, family history, and care preferences.
Receive the Report
Waterlily’s sophisticated algorithms instantly predict your LTC needs. Timelines, costs, and expected caregiving hours, plus how family caregivers might factor in.
Review & Plan
We'll discuss the results, evaluate coverage options, and build a long-term care plan that fits seamlessly into your retirement strategy.
Ready to get started?
What If You Don't Have A Plan?
Financial Depletion
Rapidly draining savings or selling assets below market value.
Family Burnout
Adult children juggling careers and caregiving, leading to emotional strain.
Limited Care Options
Resorting to whichever facility has openings rather than your preferred choice.
Higher Premiums
Waiting can mean paying thousands more in insurance or even being uninsurable.
Frequently Asked Questions
Who is Waterlily for?
Anyone looking to understand their future long-term care risk, whether you’re 45, 65, or 75.
How long does the session take?
Most sessions take 30–45 minutes, depending on your situation and questions. The goal is to be thorough while respecting your time.
Why does LTC planning matter if I've saved a lot for retirement?
Even robust savings can be depleted by the high costs of prolonged care. By planning in advance, whether through insurance, annuities, or dedicated funds, you safeguard your nest egg and maintain independence.
I already have life insurance. Isn't that enough?
Life insurance is designed to provide a payout to your beneficiaries after you pass away. Some life policies have LTC riders, but not all. If your existing policy doesn’t address extended care needs, or if the benefit is too small, your beneficiaries could still be on the hook for any uncovered LTC expenses. By reviewing your Waterlily forecast, you can see if a gap remains and whether a new policy, rider, or annuity would better fill it.
I'm healthy. Why should I plan now?
LTC coverage is more affordable and easier to qualify for when you have no pre-existing conditions. Plus, building a plan early secures your family’s future options.
What happens after I receive my report?
You'll have an opportunity to schedule a free meeting with Open Arms to review your results, interpret the data, and discuss your options. Our goal is to create a solution that aligns with your comfort level, budget, and overall financial plan.