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.

MEET YOUR ADVISOR

Laurie Gaugler
LTC Funding Specialist
Email: lgaugler@insightltc.com
Phone:(203) 255-6530
Mobile:203-257-7921

You don’t know it yet, but if you allow her, Laurie will positively impact the future of your life and that of your loved ones.  Planning for a potential need for an extended period of care is a responsibility not to be left to others as a crisis.  A long-term care insurance policy is not appropriate for everyone; education is critical before you decide on a plan.  Whether it is a policy or another solution, everyone should have a plan.

Laurie’s parents both received care funded by their long-term care policies. These were her family’s second and third experiences in caring for a loved one. Her grandmother needed care and didn’t have long-term care coverage.  What a difference her parents’ long-term care policies made in the lives of the family!

There are many ways to protect yourself and your family from the difficult financial and emotional impact a need for care could bring. Laurie has worked in the long-term care field since 2005.  She combines her knowledge of the solutions in the marketplace with her client’s needs in order to create a plan.  Her goal is to provide her clients the peace of mind that comes from finding a solution that has the best chance of being meaningful in the future, balanced with a cost that is affordable now, and in the years to come.

The foundation of Laurie’s career is to do what is right for the client.  Business relationships are built on trust and excellence in customer service.  Over the years Laurie has proven her dedication and capabilities on both fronts.  Prior to her involvement in the long-term care industry, Laurie spent 15 years at IBM, working with large corporations to successfully establish and build client relationships.  She left IBM to raise her young children full-time, when her family faced their first long-term care challenge.  When Laurie returned to the work force and chose to become a long-term care expert, she was able to bring to her clients a combined perspective gained from those family challenges and her passion for client satisfaction.  Laurie credits her father with leading her to a career that she finds so rewarding.

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
President

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