In this insightful interview, Carly Ebenstein shares her expertise on long-term care insurance, clarifying common misconceptions, discussing optimal timing for purchasing coverage, and emphasizing the importance of planning ahead for aging and caregiving. This conversation provides practical advice for families to make informed decisions and start vital conversations about aging and care.

Key Takeaways

• Timing for long-term care insurance purchase
• Differences between Medicare, Medicaid, and long-term care insurance
• Activities of Daily Living (ADLs) and cognitive health in care needs
• Flexible benefits of hybrid long-term care policies
• Planning conversations and legal documents for aging
• How long-term care insurance can save your family from crisis

Chapters

00:00 Introduction to Long-Term Care Insurance

01:43 Carly's Journey into Long-Term Care

03:59 Understanding Medicare vs. Long-Term Care

09:18 The Importance of Planning for Long-Term Care

10:29 When to Consider Long-Term Care Insurance

13:31 Protecting Options for the Future

16:45 The Role of Caregivers in Long-Term Care

19:03 Understanding Long-Term Care Insurance

20:27 The Importance of Home Care Options

21:27 Navigating Benefits and Payment Structures

24:37 The Role of Caregivers in Long-Term Care

25:14 Creating a Plan for Care

26:25 Resources and Educational Offerings

27:40 Challenging Assumptions About Long-Term Care

29:38 Starting the Conversation About Care Plans

Resources

Carly Ebenstein's Website

Long-Term Care Start Here Webinar

San Francisco Library Event

CJB Insurance Services YouTube Channel

Cost of Care Calculator

Printable Plan of Care Document

Carly Ebenstein's LinkedIn Profile

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