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A Long-Term Care Plan for Every Season of Life

Now, there’s new, innovative ways to plan for long-term care expenses because chances are, you will need to be prepared

Preparing for the Costs of Care

New planning strategies give families greater flexibility in covering future care expenses

Keeping Life on Your Terms

With proper long-term care planning, your wishes, your comfort, and your dignity will be thoughtfully honored for the years ahead

Welcome to Long Term Care Family!

Welcome to Long Term Care Family!

We're passionate about helping families prepare for the long-term care they may need in the future.

The truth is, many people don't realize that you can plan for long-term care, and that it can give you and your family more control, more options, and less stress down the road.

From exploring your care options to making sure the right protections are in place, we are here to guide you in ways that protect your independence, dignity, and your family’s well-being.

Our team holds the Certified in Long-Term Care (CLTC®) Planning designation, giving you access to the most current information, strategies, and guidance to confidently walk you through every step of the process.

What is Long-Term Care?

It refers to the need for assistance due to a Physical or Cognitive Impairment...

Why You Should Consider Planning for Long-Term Care

Most of Us Will Require Care

  • 70% of those turning 65 today will need some level of long-term care support in their lifetime1
  • 88% of Americans aged 50-80 say they would rather receive care at home, not in a nursing home2
  • Women typically need care twice as long as men - often because they first serve as caregivers and live longer3
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Lightening the Load for Family

  • Without a plan, the emotional and financial obligation often falls on your spouse, children, or siblings, forcing them into full-time caregiving and difficult decisions that can take a toll on their health, careers, and relationships.
  • 66% of caregivers used personal savings or retirement accounts to pay for a loved one's long-term care expenses4
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Keep Retirement on Course

  • Long-term care expenses can wipe out years of retirement savings in a short time, and Medicare, Medicaid, and health insurance often fall short of covering them.
  • By 2035, the estimated median annual costs in the U.S. are projected to reach $101,000 for in-home care, $95,000 for assisted living, and $149,000 for a semi-private nursing home room5
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Begin with a Free Guide on How to Plan for Long-Term Care

Start your long-term care planning journey today by downloading our Free Guide on How to Plan for Long-Term Care, highlighting the importance of a Family Care Plan — our state-of-the-art program for preparing families for the emotional, physical, and financial challenges of long-term care.

REQUEST FREE GUIDE

Work with a Certified in Long Term Care (CLTC®) Planning Professional

CLTC®, as an organization, is an impartial and independent training organization dedicated to helping more Americans plan for long-term care.

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

Rick Leidal

Rick Leidal, CLTC®
Certified in Long-Term Care®

Alex Leidal

Alex Leidal, CLTC®
Certified in Long-Term Care®

Chris Leidal

Chris Leidal, CLTC®
Certified in Long-Term Care®

Kevin Howard

Kevin Howard

Robert Hoger

Robert Hoger

1Dore, Kate; “Most retirees will need long-term care; these are the best ways to pay for it”; 8/27/2021; CNBC; https://www.cnbc.com/2021/08/26/most-retireeswill-need-long-term-care-these-are-ways-to-pay-for-it; accessed 1/23/2023. 2University of Michigan, Older Adults Preparedness to Age in Place, April 2022 https://deepblue.lib.umich.edu/bitstream/handle/2027.42/172128/0268_NPHA-Aging-
in-Place-report-FINAL.pdf?sequence=4&isAllowed=y. 3Administration for Community Living (ACL), “How Much Care Will You Need?”, LongTermCare.gov (last updated February 18, 2020). 4Pessman, Michael; “Families drain their savings: The need for long-term care coverage is becoming a big-time problem”; 8/18/2022; MarketWatch; accessed 1/23/2023. 5Genworth, Cost of Care Survey, July through December 2024, site accessed 8/14/2025.