Presentation: Long Term Care Planning

Learn how to evaluate long-term care options and make informed decisions that protect your finances, independence, family, and dignity, no matter your age.

This presentation covers the full landscape of long-term care planning, from what triggers a long-term care need to the strategies available to fund it. Attendees will learn what qualifies as a long-term care event (including the six Activities of Daily Living and cognitive impairment), why a long-term care need can arise suddenly due to an accident, illness, or unexpected diagnosis, not just in older age, and why 40% of claims involve people under age 65. The program walks through the main types of care settings, a side-by-side comparison of Traditional, Hybrid Life/LTC, and Short-Term Care plans, and the underwriting process, including what conditions typically lead to a decline. It also addresses why self-funding is riskier than it sounds, what Medicare does and doesn't cover, and how the Pension Protection Act and IRS deductibility rules can make planning more affordable than most people expect.

Real client scenarios bring the material to life, and the program closes with three clear takeaways attendees can act on immediately.

The program is presented by Carly Ebenstein, CLTC of CJB Insurance Services, Inc., a long-term care planning professional who works with individuals, families, and small business owners to design strategies that support financial stability and independence whenever life takes an unexpected turn. Carly provides education-first guidance, empowering people to understand their options and make informed choices rooted in their personal goals — not fear or sales pressure.