LTC Explained – Video 6
At-a-Glance Summary
(“Who Should Be Talking About Long-Term Care?” – Karp Loshak LTC Insurance Solutions)
Who’s on the Front Line
Anyone living in states eyeing a mandatory payroll tax (New York among them) should review private coverage now—owning a policy may be the only way to opt out of that levy.
Why Women Must Lead the Conversation
Women both live longer and more often become caregivers. Planning early protects their independence and prevents them from shouldering a spouse’s care—or facing their own needs alone.
Solo Agers & High-Net-Worth Individuals
Divorced, widowed, or never-married adults want control and choice. Even those who can “self-fund” may prefer insurance leverage to preserve estates and afford premium memory-care units or 24-hour home help.
Family Dynamics Matter
Parents who don’t want to burden adult children—and blended or second-marriage families hoping to avoid conflict—use LTC Insurance to create a dedicated income stream, so loved ones remain family, not caregivers.
Health & Timing
Coverage is medically underwritten, so reasonably healthy adults ages 21–85 should act during stable health periods. Those with an uninsurable spouse are especially at risk; one policy can shield the shared nest egg.
Key Takeaways
Whether avoiding a new payroll tax, protecting spouses and children, or safeguarding assets, the smart move is to secure a tailored long-term-care plan while health and carrier options are still on your side.
