My most memorable experiences are the relationships that I develop with the families who come to us to help them navigate their long-term care (LTC) options.
In the early 1990s, I started working with the adult children of a family’s matriarch—a hearty, independent Italian woman. Although she was in good health the family came to me, the family’s health history caused the adult children to worry about the possibil
ity of the mother developing memory issues in the future.
After discussing their long-term care insurance (LTCI) options, I urged the family to purchase an unlimited policy and to forego the inflation protection.
The family had paid into the policy for just under two years when the mom was diagnosed with Alzheimer’s. Two years after that, she had to be moved to a nursing facility, where she lived for nearly 10 years.