Certification in Long-Term Care - CLTC

Home
United States
Durham, NC
Certification in Long-Term Care - CLTC

CLTC specializes in training for insurance and financial professionals

10/15/2026

Your family just asked, "What happens if you need help at home?"

It's the question nobody wants to answer. But it's also the one that changes everything.

Because here's what most people don't realize: Medicare doesn't cover ongoing help at home. It doesn't pay for someone to help you with daily activities like bathing and dressing. Those costs fall on you or on your family.

And those costs add up fast. According to the 2025 CareScout Cost of Care Survey, a non-medical caregiver costs a national median of $80,080 per year. That's $6,673 per month.

👉 Source: https://zurl.co/W7EBD

Without a plan, your family becomes the plan. They'll disprut their lives, their careers, and their health to care for you because they love you and don't know what else to do.

A CLTC professional can help you build a plan that protects your independence and your family's well-being. Don't wait until you need care to address this question because your planning options will be severly limited by then.

Find a CLTC professional today: https://zurl.co/PY6kh

10/14/2026

When people think about paying for care, they usually think about savings. In practice, care is a monthly bill and it comes out of the same income covering the mortgage, the groceries, and the things you'd planned to do in retirement.

So the real question isn't only "do we have enough?" It's "could we pay for care and still live the way we planned?"

It helps to know what each option actually does:

💵 Paying out of pocket — Workable for some families, but it redirects income that's already committed elsewhere.

🏥 Medicare — Covers short-term skilled nursing or rehab after a qualifying hospital stay. It isn't built for ongoing help with daily activiites of daily living.

🤝 Medicaid — Available after assets have been spent down to your state's limit, which means it generally comes after other options, not instead of them.

📋 Long-term care insurance — Sets aside funds specifically for care, so you have help covering your costs while preserving your income.

Learn more about the options for covering the costs associated with needing extended care.

Straight Talk About Common Misperceptions: Transferring the Risk
👉 https://zurl.co/2rsQ2

A CLTC® professional can help you work through which combination fits your family well before anyone's in a hurry.
👉 https://zurl.co/XK9x8

10/13/2026

"Insurance isn’t the plan. The insurance pays for the plan."

That realization hit home for financial planner and CLTC Instructor Shane Van Patten when he found himself navigating his own mother’s extended care journey without a plan in place.

That experience became a turning point. It led him to earn the CLTC designation and dedicate his career to ensuring other families don’t face the same emotional, financial, and logistical hardships.

Shane’s story is a powerful reminder: Extended care planning must begin before a crisis strikes.

📖 Read Shane’s full story:
🔗 https://zurl.co/bztNc

10/12/2026

Charles bought long-term care insurance at 65. He was in his early 80s when he was diagnosed with dementia.

His family kept him at home as long as they safely could, then moved him into memory care. After repeated falls and fractures, they moved him two more times.

Care needs change over time. The plan that fits for year one may not fit by year three. It is impossible to really know what will be needed.

A care event disrupts your income, your assets, and the lifestyle of all those that will try to take care of you. Becaue Charles planned ahead, the impact to his family and finances was significantly lessened.

You don't need every answer. You just need to get started on a plan.

🎥 https://zurl.co/agHzm
👉 Find a CLTC® professional near you: https://zurl.co/EW7WI

10/08/2026

Do you know what your extended care plan is?

If you sat down with a financial professional tomorrow, would you be able to answer the following questions?
💬 What kind of care would I want?
💬 How would I pay for it?
💬 Who in my family might be affected?

Too many people haven't worked through the answers to these questions and they're much easier to answer while you are healthy and clear minded.

Planning ahead protects you, and it protects the people who would otherwise be left guessing what you would have wanted.

🔗 Find a CLTC® professional near you: https://zurl.co/jR6RQ

10/07/2026

Myth: "I'm healthy, so I've got plenty of time to think about this."

Reality: Good health is exactly what makes this the right time.

Eligibility for long-term care insurance depends heavily on your health when you apply. A diagnosis you didn't see coming can narrow your options, or take some of them off the table entirely.

Planning while you're well isn't pessimistic. It is seizing the opportunity to plan before options are limited.
A CLTC® professional can show you what's realistic for your situation.

🔗 Find a CLTC® professional: https://zurl.co/fuueO

10/06/2026

Join us October 21st, 12 - 1:00 PM ET, for our free webinar, "Younger-Onset Dementia: Unique Challenges Families Experience & Community that Empowers," and find out about the challenges families face when a loved one is diagnosed with Younger-Onset Dementia.

Our guest speaker is Patti LaFleur, Programs Lead at Lorenzo's House, a global community supporting sons, daughters, and families affected by Younger-Onset Dementia (defined as onset before age 65) Patti brings both professional expertise as a Certified Dementia Practitioner and personal experience as the former care partner to her mom, who had Younger-Onset Dementia.

In one hour, you'll learn the signs of Younger-Onset Dementia, the types of dementia it can involve, how common it is, the challenges families often face, and how Lorenzo's House can provide support.

Join the Webinar: https://zurl.co/mNFGs

10/05/2026

Lucas is 25. He's lived with his grandmother since he was a teenager. For the last three years he's been her caregiver.

She has dementia. He reminds her to eat, to bathe, to do the things she used to handle on her own.
He tried to hire help. She said she'd rather have him. So he left his job and found part-time work he could do from home.

Nobody in the family had seen dementia before, so nobody planned for it. Lucas is still looking for programs that might help.

Years earlier, a plan could have settled the questions this family ended up working out as they went, including who would provide care, whether there'd be money to bring in help, and what she would have chosen while she was still able to say.

Watch Lucas's story, then talk to a CLTC® professional about making those decisions in advance for you and your family.

https://zurl.co/CRyJ2

🔗 Find a CLTC® professional near you: https://zurl.co/PRlgd

09/30/2026

When it comes to extended care, the right guidance can make all the difference.

A CLTC® professional helps you:

🔹 Understand your options
🔹 Protect your family from unexpected caregiving responsibilities
🔹 Plan ahead to protect your income, savings and retirement
🔹 Be able to afford the care you need
Cover the costs Medicare doesn't

Long-term care is not just a financial issue. It is a family issue. Having a plan in place before care is needed brings peace of mind to everyone involved.

Do not wait until it is too late to start the conversation.

👉 Find a CLTC professional:https://zurl.co/oPXXF

09/28/2026

Before you buy a long-term care insurance policy, it's worth knowing what questions to ask when it comes to how claims actually work.

Every policy handles this a little differently, but a few things are worth understanding upfront: how a claim gets started, what's reviewed to confirm eligibility, when payments typically begin, and whether coverage gets reviewed periodically as care needs change.

Asking these questions before you buy, not after you need the coverage, means fewer surprises later and a policy that pays benefits the way you expected.

A CLTC® professional can walk you through these questions and help you compare policies with real clarity.

🔗 Find a CLTC® professional: https://zurl.co/Apwpt

Address

3622 Lyckan Parkway Suite 3003
Durham, NC
27707

Website

http://www.ltc-cltc.com/

Alerts

Be the first to know and let us send you an email when Certification in Long-Term Care - CLTC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Certification in Long-Term Care - CLTC:

Want your business to be the top-listed finance company in Durham?