“I became aware of the challenges of longevity after my initial meeting with Long-Term Care Consultant’s founder, Linda Tsironis Caruthers.  Her oral essays and written materials were facts based, blunt and not “sugar coated”.  She encouraged one’s own research for additional elaboration and confirmation as to the financial urgency to consider LTC insurance.  The imperative was borne out through the costs associated with and the Medicare does not support custodial care.  Upon recognition of these facts, I came to realize that an LTC insurance premium was financial security not a burden.  My wife and I have had coverage for 15 years and I have had 110 days of at home care.  The insurance covered $32,000 and while on claim my insurance premium was waved. “

Richard S. Smith, retired Lt Col., US Army