Long-Term Care

Is Not a Place or a Condition.

It’s a Life-Changing Event.


Congratulations on taking this first step to learn more about long-term care and the importance of planning for it. It might be the greatest gift you ever give to your loved ones.

The impact of an unexpected need for extended care (also known as long-term care) has serious, if not irreversible consequences to families and their ability to keep future financial commitments. Long-term care planning is a critical component of risk management and retirement planning and is considered the most overlooked aspect of insurance and financial planning in our country. A long-term care event and associated expenses pose the greatest threat to an individual’s financial security.

Long-term care planning, by necessity, is a complex process. Funding a plan is, by necessity, a complex process. That’s why elder law attorney Harley Gordon, Esq. created the Certification for Long-Term Care (CLTC®) in 1997. He believed long-term care planning was an essential component of comprehensive financial, retirement and estate planning. Over the past 26 years, tens of thousands of planning professionals have completed this training, and carry the CLTC (Certified in Long-Term Care) designation.

What you can expect from working with a CLTC designee.

A CLTC is a planning professional who,

  • Is interested in helping their clients protect their families and understand how complex that process can be
  • Is current in the complexities of long-term care, insurance, retirement and end of life planning
  • Can see the bigger picture as it relates to loved ones who will bear responsibility in the event of a long-term care event
  • Can frame difficult conversations to help create and enact a plan that provides peace of mind
  • Has competence and interest in long-term care planning

CLTC, as an organization, is an impartial and independent training organization dedicated to helping more Americans plan for LTC.

The long-term care crisis in our country is real. Understandably, families find themselves in crisis when a loved one suddenly needs help with everyday activities of daily living due to a chronic illness or sudden, acute medical event, or begins to suffer from the effects of dementia or Alzheimer’s disease. The emotional, physical, and financial burden cannot be understated. Having a plan, and better yet, funding that plan, can be of enormous help.

We are pleased to provide additional information to you about the planning process – enough to help you feel comfortable with the topic and the key steps you will want to take as you plan for your future. Once armed with this information, we hope you will reach out to a nearby CLTC for help with your plan.