Last updated: April 12th, 2021

Karp Loshak Long Term Care Insurance Solutions

For over 15 years, our firm has been a trusted source of information on Long Term Care planning. Our approach is consultative and educational, enabling clients to make confident decisions within a changing LTC landscape.

Karp Loshak Long Term Care Insurance Solutions helps consumers and advisors plan for long term care needs with customized solutions. We take you from “conversation to contract” with expertise and independence to ensure successful outcomes.

As national experts and independent brokers, we are fiercely client focused and affiliate with all the leading LTC Insurance carriers. We analyze the myriad options in plan design and our analysis is transparent and comprehensive between and among the carriers to find the sweet spots and value propositions. We specialize in ALL aspects of long-term care insurance including:

  • Stand-Alone Long Term Care Plans
  • State Partnership Plans
  • Linked Benefit Asset-Based Plans- Hybrid Life and LTC
  • Life Insurance with LTC or Chronic Illness Riders
  • Annuities with LTC
  • Financing Long Term Care Insurance using Tax Incentives
  • Positioning Long Term Care Insurance for Tax and Estate Advantages
  • Group, Multi-Life, and Employer-Sponsored Plans.

We are independent insurance brokers, licensed nationally.

We represent top-rated, leading Long Term Care Insurance carriers, including:

Karp Loshak works with a variety of carriers

Do YOU have a long term care Insurance plan?
To learn about solutions that are best for you, your loved ones, or your employees, contact us at 516.801.1419 or

*CLTC Licensed
CLTC—Certified in Long term Care—is a designation granted by the CLTC Board of Standards, Inc., and approved by the American Council on Education, the country’s largest coordinating body for higher education. The designation is affiliated and endorsed by the College of Financial Planning, which also accredits Certified Financial Planners. The program is financially and editorially independent of the Long Term Care Insurance industry.

Both Natalie Karp and Rona Loshak, founding partners of Karp Loshak LTC Insurance Solutions, have earned the CLTC designation, which requires completing rigorous, multi-disciplinary courses focusing on the profession of Long Term Care, not the selling of insurance products.

**State Partnership Certification
In order to sell or market State Partnership Plans for Long-Term Care insurance, each State Insurance Dept requires licensed agents to complete additional training (and exam) of certified long-term care partnership continuing education.

The Long Term Care Partnership Program is a joint federal-state policy initiative to promote the purchase of private long term care insurance. The Partnership Program is intended to expand access to private long term care insurance policy to pay for long term care services.

Private long-term care insurance policy that allows you to keep some or all of your assets if you apply for Medicaid after using up your policy’s benefits. The Deficit Reduction Act of 2005 allows any state to establish a Partnership Program. Under a Partnership policy, the amount of Medicaid spend-down protection you receive is generally equal to the amount of benefits you received under your private Partnership policy. (State-specific program designs vary.)