Welcome University of Richmond Employees & Extended Family Members
Long-Term Care Planning Shouldn't Be Overwhelming
- Affordable and Customized Solutions
- Get Clarity on Your Options
- Experience Peace of Mind
Does This Sound Familiar?
Schedule a free 30-minute consultation
Ease the Stress of Long-Term Care with Expert Guidance and Protect the Future of Your Loved Ones Today.
You Need Answers to Your Questions About Long-Term Care
We Get That, and We're Here to Help
Founder of LTCCINC, Linda Tsironis Caruthers, is currently the only long-term care specialist physically located in Virginia since 2000. She and her team are deeply committed to answering your questions, clarifying the process, and making your experience as smooth as possible, so you can protect your loved ones.
Working with LTCCINC means you’re getting the benefit of our combined decades of experience, rather than a one-size-fits-all approach
Linda and her team at LTCCINC, and through the LTCPG national network, are able to assist clients with long-term care in every state in the country.
Advising is key. It’s not just about insurance, but real life. What happens when you bring Mom home from the hospital? You need answers, and we’ve got them. We bring the human element to long-term care insurance.
We’re different because we provide ongoing support and education, not just insurance policies. We have relationships with our clients that last for many years, often decades.
We work as interpreters of complex long-term care systems, paperwork, and language, turning them into clear action plans that make sense for your situation.
- Ramsey Pro distinction
- Founder of Pink Chair Project RVA
- Only Long-term Care Specialist located in Virginia
Meet Linda Tsironis Caruthers
Linda understands long-term care planning at its most personal level. Her experience began as a child, caring for her mother, who became disabled when Linda was ten years old. This immense responsibility shaped her perspective, revealing the emotional and practical challenges people face when life throws the unexpected their way. Linda knows firsthand how overwhelming and isolating this process can feel—and how crucial it is to have the right support and information before a crisis occurs.
As the founder of Long-Term Care Consultants, Linda has built her life’s work around helping adult informal caregivers of aging loved ones find the answers they’ve desperately been searching for. Clients often come to her feeling lost and anxious, not knowing where to turn or whom to trust. Linda and her team listen carefully, answer questions with clarity, and offer guidance grounded in decades of expertise. LTCCINC provides customized long-term care plans that bring clients relief, protect their loved ones’ well-being, and help preserve relationships.
Services
Long-term care insurance and/or long-term care funding options
Providing long-term care resource options
Assisted living options
Hospice and transportation options
Assistance with interpreting and explaining a long-term care policy
Filing a long-term care insurance claim
Consulting on retainer for families that need ongoing advising
Hire Linda to Speak
to your group or company to educate and inform about long-term care
Testimonials
Hear What Our Clients Are Saying
JF Bergh
“It is important for you to have a thorough
understanding of your policy or why you should buy a policy.”
Mary Jo Kling
“Our experience with Linda was truly amazing. We still cannot believe such a person as her exists on this earth!”
Nancy
“Linda did a thorough job of researching several plans and giving me options to choose from.”
Patricia Gallagher
“Not only is Linda the most thoroughly knowledgeable person on the LTC topic but she has her client’s interest at the forefront.”
Robert Beukema
“In short, Linda is the best, and I’m very lucky to be working with her.”
John W. Verheul
“As a result of their philosophy, I refer clients to them on a regular basis.”
Richard S. Smith
“Unquestionably at the top of their industry.”
Tinina Cade, Ph.D
“The human touch really matters, and LTCC makes your needs their priorities!”
John Millen
“Our go-to-expert for anything related to long-term care insurance.”
David Hillellsohn
“The perfect partner for clients and advisers as they explore the many facets of long term care planning.”
Are you a professional struggling to navigate the long-term care process for your clients?
We offer training and one-on-one consulting for:
Financial Advisors
Physicians
Accountants
Business Owners
Employers and HR Directors
Insurance professionals
Attorneys
Associations
Work With Us
The best next step is starting the conversation. We know what to ask even if you are overwhelmed by the burden of assessing your loved one’s needs.
— TWO —
We’ll analyze your health, financial, and personal circumstances to determine the best options that fit your situation.
— THREE —
We’ll help you put your customized long-term care plan into action and provide ongoing support, so you and your loved ones will experience immense relief and peace of mind.
Frequently Asked Questions
Your Guide to Understanding Long-Term Care:
I’m still young. I don’t need long-term care yet. I’ll deal with that when I’m older.
I’m healthy now. Why would I need long-term care insurance?
Won’t Medicare or my health insurance cover these costs?
Long-term care insurance fills this gap, giving you the security and peace of mind of the right care when you need it, without jeopardizing your financial goals.
I’m worried about the cost of insurance and whether I’ll actually use it.
People often think of long-term care as an optional expense, but here’s the truth:
It's also extremely costly (physically, emotionally, and financially costly) to your loved ones not to plan for long-term care expenses during your lifetime, not just during retirement years. Planning for care is not about you, it's about the people around you who have to fit your care into their already-busy lives.
Long-term care insurance is an investment in both your comfort and your legacy. The cost of long-term care continues to rise each year, which can quickly deplete even a well-planned nest egg. By planning ahead, you create more choices for the kind of care you want, and you protect your assets for loved ones.
There are flexible policy options to fit a variety of budgets, and working with an experienced specialist means you’ll find a solution that supports your financial situation and your values.
For trusted guidance that’s tailored to your needs, reach out and start a thoughtful conversation about your future with Linda Tsironis Caruthers. She is Virginia’s only long-term care specialist physically located in Virginia.
It's extremely costly (physically, emotionally, and financially costly) to your loved ones not to plan for long term care expenses during your lifetime, not just during retirement years. Planning for care is not about you, it's about the people around you who have to fit your care into their already-busy lives.