LTC in the News: 5 Reasons the Middle Class Aren’t Planning for Long-Term Care Insurance

A recent article explores why middle-class families are not prioritizing long-term care insurance (LTCI)—and our very own Kelly Augspurger, CSA, CLTC®, LTCCP®, CLTC instructor, weighs in on the critical misconceptions holding people back.

• Many families underestimate the need for long-term care, not realizing the physical, emotional, and financial strain it puts on loved ones.
• Some believe LTCI is too expensive, but even a modest policy can significantly ease financial burdens.
• Medicare and Medicaid aren’t the safety nets people assume—leaving many without the care quality and choice they’d prefer.
• Many default to self-funding, yet LTCI is designed to supplement personal savings, reducing financial risk.

With nearly 70% of people over 65 needing long-term care, having a plan is essential. Don’t wait until it’s too late. If you’re a financial professional, helping clients navigate LTC planning can be life-changing for them and their families.

Read the full article here: