Jilek Risk Group

Declined For Long-Term Care Insurance?

The 5 Health Questions That May Reopen the Door to Long-Term Care Protection

Many people who have been declined for traditional long-term care insurance assume they have no options left. In reality, some solutions focus on only a handful of health hurdles rather than hundreds of underwriting questions.

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You Were Declined for
Long-Term Care Insurance...
That Doesn't Mean You're Out of Options.

You can still create a plan that protects your assets, your independence, and your family—without medical approval.

Learn How It Works

Certainty After Decline

Kenneth J. Jilek, CLTC®, RSSA®

Long-Term Care Specialist

Helping Families Protect Retirement Assets

Meet the Advisor

“I created this practice for people who thought they were out of options.”

After seeing families devastated by long-term care events—and seeing how many people were declined traditional coverage—I focused on helping clients create meaningful protection even after rejection.

My mission is simple

Restore certainty, dignity, and options.

Professional Designations

CLTC©

Certified in Long-Term Care — Advanced training in long-term care planning, including alternatives and solutions for clients who have been declined traditional coverage.

RSSA©

Registered Social Security Analyst — Specialized expertise in Social Security claiming strategies and how they integrate with retirement and long-term care planning.

Schedule a Call With Ken
Ken Jilek, founder of Jilek Risk Group

Your Story

You did the responsible thing...
You applied.
And then came the decline.

Losing Independence

The thought of depending on others for daily care weighs heavily on your mind. Your freedom feels uncertain.

Draining Savings

Years of careful planning could vanish into nursing home bills, leaving nothing for your family.

Becoming a Burden

You never wanted your children to choose between their lives and caring for you. That guilt is overwhelming.

Now what?

Common Decline Reasons

Have You Been Declined For These Reasons?

Diabetes
Heart Disease
Cancer History
Stroke History
COPD
Parkinson's

Even if you've been declined, you may still have options.

The Reality

What Care Really Costs

Most families drastically underestimate what long-term care costs. Here are the numbers you need to know.

Home Care

$5,711

per month

Non-medical caregiver, 40 hrs/week

Assisted Living

$6,000

per month

Assisted living community, private room

Nursing Home

$8,380

per month

Private room, round-the-clock care

One year of care can cost more than a decade of savings.

What if you didn't need permission
from an insurance company?

Create Your Own Care Pool

Build a dedicated fund from your existing assets, specifically earmarked for long-term care needs.

Built-In Leverage

Every dollar you set aside can be multiplied, creating far more purchasing power than savings alone.

Guaranteed Access

No medical questions. No decline letters. Just certainty that the funds will be there when you need them.

How It Works

Three Simple Steps to Protection

01

Reposition Assets

Move a portion of existing savings, CDs, or IRAs into a protected long-term care strategy. No new money required.

  • Keep full liquidity and control
  • Tax-efficient repositioning
  • No penalties for qualified accounts
02

Multiply for Care

Your repositioned dollars are designed to create leverage specifically for long-term care expenses.

  • Build a dedicated care fund
  • Leverage multiplies your capital
  • Designed for healthcare costs
03

Access When Needed

Use the funds tax-efficiently for care at home, assisted living, or a nursing facility when the time comes.

  • Use at home or facility
  • Tax-advantaged withdrawals
  • Full flexibility in how you use it

Why This Works

Guaranteed approval with complete flexibility

Guaranteed Approval

No health questions. No medical exams. Acceptance is guaranteed regardless of your health history.

Immediate Coverage

Your strategy begins working right away. No waiting periods for accessing funds when care is needed.

Home or Facility

Use funds wherever care is received—at home with a caregiver, in assisted living, or a skilled nursing facility.

Protects Spouse

Safeguard your partner's financial security. One spouse's care costs won't devastate the other's retirement.

Legacy Protection

If care is never needed, the full value passes to your beneficiaries—no premiums lost to an insurance company.

Liquidity & Control

You maintain ownership and control. Funds remain accessible and can be adjusted as your needs change.

Is This Right for You?

If you were told no, this was built for you.

Most of our clients come to us after receiving a decline letter. They feel frustrated, worried, and unsure about what comes next. This strategy was specifically designed for people just like you.

Ages 50–80 seeking long-term care protection

Previously declined for traditional or hybrid LTC insurance

Have $100,000+ in savings, CDs, or retirement accounts

Want to protect assets from being drained by care costs

Prefer control and certainty over ambiguity and risk

Value independence and dignity above all

Honesty Matters

Who This Is NOT For

This strategy may not be right if:

Under Age 50

This strategy is designed for those approaching or in retirement. If you are under 50, you likely have time to explore other options or qualify for traditional coverage.

Less Than $100,000 in Assets

This approach requires a minimum asset base to reposition effectively. If you have fewer than $100,000 in savings, this may not be the right fit for your situation.

Want Traditional LTC Insurance

If you are still looking for traditional or hybrid long-term care insurance policies, you are already on a different path. We focus on guaranteed-approval alternatives.

Need Immediate Nursing Home Benefits

If you or a loved one currently needs nursing home care right now, this strategy may not provide immediate relief. It is designed for future protection, not emergency coverage.

Real Stories

People Just Like You

Read a story that sounds like yours. If it does, you are not out of options.

Robert, a man in his early 60s who was declined for long-term care insurance due to diabetes

A Real Story

Robert was declined for long-term care insurance because of his Type 2 diabetes.

He thought a pre-existing condition meant no options...

But that wasn't the end of the story.

He was wrong.

Then they found another path

  • Repositioned a portion of savings into a protected strategy
  • Created a dedicated care pool with built-in leverage
  • Protected his family and his legacy — no medical approval needed

“I never thought I'd have a plan after being declined. Now I have one.”

— Robert K., Houston, TX

Credentials & Expertise

Why You're in Experienced Hands

Credentials matter when you're protecting a lifetime of work. Here's what Ken's expertise means for you.

CLTC Designation

Certified in Long-Term Care — specialized training in care planning strategies most advisors never pursue.

RSSA Credential

Registered Social Security Analyst — deep understanding of how benefits, income, and protection strategies work together.

Years in Insurance

Decades of experience navigating complex coverage solutions for clients with unique health and financial profiles.

Texas-Based

Serving Texas families with local knowledge of care costs, regulations, and the real challenges seniors face here.

Asset Repositioning

Expertise in restructuring existing assets to create care protection without sacrificing lifestyle or legacy goals.

Fiduciary-aligned guidance. Every recommendation is built around what protects your family best.

Common Questions

Honest answers to the concerns we hear most often

Self-insuring works on paper—until you need care. A single year of skilled nursing can cost $100,000+. This strategy creates leverage: the same dollars work harder and are specifically protected for care, while your other savings remain untouched.

Caregiving changes relationships in ways most families don't anticipate. It can strain marriages, interrupt careers, and create resentment. This plan protects your dignity and gives your family the gift of being family—not full-time caregivers.

Then your family receives the full value. Unlike traditional long-term care insurance where premiums are lost if unused, this strategy preserves and passes on the complete value to your beneficiaries. It's a win either way.

Get Your Personalized Plan

See what you qualify for in a 15-minute strategy call. No pressure, just clarity.

Schedule Now
No obligation
100% confidential
Texas-based advisors