Welcome to LTCR’s Advisor Center

The core benefit of the LTCRplus program is helping members develop a plan for how they will pay for the potential expenses associated with their extended care. Since 1998, LTCR has helped over a half a million people understand the risk, costs, and financial solutions available to pay for long term care.

While a lot has changed in the last year, the problem has not. Long term care is expensive. You can use the interactive cost of care tool below to review the average cost of care in your area.

While the problem has not changed, the solutions have.  You can click below to view our LTC Solutions Kit. This comprehensive guide will provide you with a great overview of the types of coverage available to fund your future care, including the newly developed “Hybrid” LTC plans that offer guaranteed premiums and benefits even if you don’t need care.

Download the LTC Solutions Kit as part of your response to this program, you have also been assigned to an LTCR Advisor. This Advisor will follow up with you to make sure you understand all the resources available through LTCRplus and provide custom quotes based on your specific age, health, and type of solution you are interested in evaluating.

If you are not interested in any of these solutions, you already have coverage or you replied primarily for access to the other LTCRplus benefits, just let your LTCR Advisor know. We know from experience that circumstances change both individually and in the marketplace. The LTC Funding benefit will remain available and be updated to adapt to these changes.

Insurance Works: Whether you have a policy, previously looked at buying coverage or are just starting the evaluation process, it is important to understand that LTC insurance works.  Policies in force are currently paying over $33 million in benefits per day.  In 2021 the LTC industry paid over $12.3 billion in claims.*


Joanna Cassese
LTC Funding Specialist
Email: jcassese@ltcr.com
Phone:(510) 787-3327
Mobile:(510) 459-0677

Dear Member,

Recently you requested information about long-term care insurance programs available through your professional group or alumni association. I am the local specialist for this program and my role is to provide you with answers to your personal questions regarding this important financial and retirement planning tool.

Having had first-hand experience caring for my mother with Alzheimer's, I clearly understand the importance of learning as much as one can about planning for unanticipated challenges life can provide. Since this coverage is not right for everyone we are here to help you determine if this type of coverage is appropriate for you and what the cost of your specific plan might be.

This site will answer many general questions you might have although plan design, insurance company and cost can only be provided by having a constructive and confidential conversation with a specialist such as myself. You will not experience a sales pitch or be pressured into making a decision.

If you have any health issues, this might affect which insurance carrier would be the best fit. If you are in excellent health you may be eligible for a preferred health discount on top of the marital discount, if applicable. These questions can not be asked/answered via e-mail due to privacy issues.

After you have reviewed this educational site, give me a call at (510) 787-3327. I am available 8 a.m. to 8 p.m. M-F and Saturday mornings. We can schedule a time to talk that works best for you. Normally, I meet with members in person but I am happy to work with you any way you prefer– via email, Webinar, phone or face to face.

Thanks so much and congratulations for taking the first step in learning about this important issue! I look forward to working with you.

Joanna L. Cassese, AALTCI
Long Term Care Insurance Enrollment Specialist

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Research Tools

Why Insurance?

Because you can’t out invest it!

Are you familiar with Required Minimum Distributions?

* Source: www.aaltci.org


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