Long-term care (LTC) insurance can help employees preserve their retirement savings. New studies show that healthy retirees have longer life expectancies. In light of this, workers need to be prepared to make sure they do not outlive their resources. Employers are trying to help by offering LTC as supplemental insurance. Costco Wholesale added LTC coverage to its benefits plan four years ago. Jay Tihinen, assistant vice president of benefits, said the favorable tax treatment of LTC plans that resulted from the Health Insurance Portability and Accountability Act of 1996 was taken into account when the company decided to offer an LTC plan. Costco prepared its employees for the new offering by informing them about the need for LTC insurance and the benefits it provides.