I would love to hear from you. Send me questions or comments. (https://www.buzzsprout.com/twilio/tex...) We unpack how long-term care insurance funds care for daily living needs, why Medicare stops short, and how early planning protects dignity and choice. Real numbers, tax perks, employer options, and alternatives help you map a plan that fits your health, age, and budget. • definition of long-term care and what it covers • why home care often delivers better attention • Medicare and health insurance limits on long-term care • the emotional and financial cost of late planning • tax-free benefits and business deductibility • when to buy and how age and health affect premiums • hybrid, short-term, and subscription-based alternatives • employer plans for younger staff and retention • steps to start, state differences, and who to contact “Call Raymond at 253-432-9491 or 253-275-6091 and visit lavineltcins.com for details” Support the show (https://www.buzzsprout.com/2461734/su...)