Welcome to the LTC Funding Research Center

With LTCRplus, our team of experts brings you 25 years of experience to deliver the most affordable and comprehensive solutions for all your Long-Term Care (LTC) Funding requirements.

Thanks to collective buying power, we offer exclusive discounted rates with group and individual products. Our portfolio of best-in-class solutions can accommodate different budgets, medical conditions, and levels of coverage. Moreover, our LTCR Advisors are on-hand to guide you through all the options in one place. Upon being assigned an LTCR Advisor, you can reach out via their contact information on the page, and even book an appointment through the link to their calendar.


Eric Skaar
LTC Funding Specialist
Email: eric@ltcrpacific.com
License:CA #0E89603

Address: 1072 Casitas Pass Rd., Ste. 218, Carpinteria, CA 93013
Eric Skaar is a Long Term Care Insurance Agent; providing education, advice, plan design and product comparisons. He is originally from Santa Barbara, California and has lived in the Ventura and Santa Barbara area since graduating from California State University of Long Beach in 1992.

Eric began with Genworth Financial in 2005 as a Long Term Care Insurance specialist, followed by the authorization to provide the California Partnership for Long-Term Care. In 2006, he attained the CLTC professional designation. Eric joined Long Term Care Resources, the nation’s leading long-term care specialist in 2015 and the west coast affiliate LTCR Pacific Agency in 2016.

Eric Skaar is committed to helping people protect their hard-earned assets and maintain their financial independence and dignity. He became committed to helping families through insurance due to his own family experience. His father passed away at age 53 after a 6 month fight with cancer. Fortunately his parents had the foresight to have a life insurance policy that lessened the burden of the unexpected tragedy.

Long-Term Care insurance became a cornerstone of Eric’s profession after he experienced how emotionally trying and expensive long-term care is after his grandfather had a series of strokes. The care had significant impact on the family’s life savings and put enormous strain on the family. Due to the likelihood that a long-term care need will affect most families, Eric believes that it is important for all families to have a written plan in place prior to this event occurring. For most people, due to the future expected cost of care, and the time required to provide and manage a person’s care, Long-Term Care insurance should be considered as an integral part of a family’s plan.

Throughout his career Eric has seen how insurance has helped families and individuals bear unexpected life events. None of these people ever expected to use their benefits when they did, but were very thankful to have it. It is the silver lining in an otherwise terrible situation.

Throughout the years Eric has expanded his lines of insurance to help his client protect themselves and provide for their families. He strives to be an expert in his field, and for questions he doesn’t have a definitive answer, he works with people that can provide their expertise and a solution.

Eric Skaar works with LTCR to provide retirement based products such as Long Term Care, Medicare Supplements and Annuities. He works with ABS in the field of Life insurance and Pacific Advisors to provide disability insurance. They are all experts in their fields and work with the top insurance companies to provide the best available products.

The Problem Hasn’t Changed But the Solutions Have:


An overview of our LTC Funding solutions can be found on the chart below. Each option has its benefits and drawbacks, and your medical situation is an important factor in the options available to you. Products do vary by State. Your Advisor can provide you with an analysis of the options in your state and aid you in deciding if one is right for you and your family.

New Taxes?

As many states struggle to meet the soaring demands of their Medicaid long-term care programs, many are considering increasing taxes on their citizens. Washington recently enforced a mandatory payroll tax for its citizens to fund a small LTC benefit plan, and an additional fifteen states are considering taking similar measures. If the Washington example is followed in your State, buying private long-term care plans could provide an exemption from this mandatory state tax and more comprehensive coverage.

Your assigned Advisor will provide you with a Market Update customized to your state to help you better understand the repercussions of mandatory state programs and other relevant information.

Tools to Help You Develop a Strategy

Working with over 500 professional and alumni members, we know we work with a highly educated clientele that wants to learn on their own.  We have added several tools to help you learn more about the costs of long term care and the price of various solutions  

Costs of Care

To help you understand the risk you are trying to cover, there are two tools to help you learn about the current and future costs of care in your state or states you are considering retirementment.  

Costs of Coverage

To get an idea on costs there are several rate calculator tools to give you an estimate on the premiums for each plan type. 

Insurance vs. Self-Funding

Instead of insurance, could you set aside funds to pay for care on your own?   This tool will help you calculate different returns and what you would need match the leverage of insurance. 

Additional Infomation

Why Insurance?

Because you can’t out invest it!

Required Minimum Distributions

What are they and what should you know?

* Source: www.aaltci.org


LTC in the News

The problem has not changed. Long term care is expensive.

Senior care is crushingly expensive. Boomers aren't ready.

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Nursing home, home health fast-growing health spending categories

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Unsuring LTC - Risks to a Client’s Retirement Portfolio When Relying Solely on Self-Funding

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Assisted-living homes are rejecting Medicaid and evicting seniors

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New AARP Report Finds Family Caregivers Provide $600 Billion in Unpaid Care Across the U.S.

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About Us

Long-Term Care Resources (LTCR) is a national insurance agency and marketing company dedicated to Long-Term Care Insurance and the senior market. LTCR represents the top LTC insurance companies in the industry.

LTCR is one of the leading independent LTC distributors in the country. LTCR specializes in marketing LTC insurance through partnering with organizations such as professional associations, alumni groups, and small businesses. LTCR is the endorsed LTC provider for over 650 affinity organizations. Founded in 1997, LTCR has helped nearly 600,000 affinity members with their long-term care planning needs.

Through LTCR’s marketing programs and our national network of LTC Specialists, clients are able to compare multiple LTC plans from the top carriers in the market. In addition, our clients are able to obtain certain plans at discounted rates not available to the general public.

We look forward to assisting you with your long-term care planning needs.

Rick Leonard

Since 1997, LTCR has been providing service for life to millions of members of our partnering alumni and professional associations. Over 600 of these highly respected organizations trust in LTCR to provide the highest level of integrity, knowledge and our personal touch. We hope you will too. On behalf of our team of specialists across the U.S., we look forward to serving you.

— Rick