This week, Jason and Diane discuss UNUM's February 2026 ceasing of LTC group and employer sales.

How should employers and employess react to this decision?

What are the next decisions that must be made?

What can employers now offer to newhires?

Should current policyholders keep their policies?

When you don't have answers, the best thing to do is talk with a long term care planning specialist like myself.

I will help you determne what questions you should be asking as well as work through the answers with you.

Each employee's family is unique and LTC needs are different for each family.

If you have questions about UNUM or any other LTC plan ceasing sales, schedule some time to discuss this here

We need to recognize the contributions and sacrifices that family caregivers make to help those they love who can't provide for their own daily needs.

The reason most people own LTC insurance is to help those caregivers to not feel alone and isolated.

If you don't own LTC insurance and you want to protect your family, assets and choices, schedule time with me to plan here

Below are many resources to help caregivers help their loved ones better.

Administration for Community Living https://acl.gov/

Alzheimers Association https://www.alz.org/

American Association of Homes and Services for the Aging https://leadingage.org/

Aging Life Care Association https://www.aginglifecare.org/

National Council on Aging https://www.ncoa.org/

Senior Homes https://www.seniorhomes.com/

Assisted Living Foundation of America http://www.alfahousing.org/

National Center for Assisted living https://www.ahcancal.org/Assisted-Living/Pages/default.aspx

Memory Care Facility Locator https://www.memorycarefacilities.net/

Today's Caregiver magazine https://caregiver.com/

National nursing home database https://www.medicare.gov/care-compare/?redirect=true&providerType=NursingHome

There are others, but this is a good start.

This week, I'm kind of on a soapbox.

It seems that some people will keep asking about LTC insurance until someone tells them they don't need it. No one knows if we'll need help living at some point or not.

We need to ask ourselves who the insurance is going to help. We're going to get care whether we plan or not.

We need to ask oursleves who wil suffer the consequences of our failure to plan. It's the people helping us.

We say we don't want to "burden our family", but by not discussing where we want to live, who we want helping us and how we will pay for care, by default, we are burdening them.

Please review current and projected costs of care where you live here and please use at least a 4% annual increase in costs as we've seen that and more across the country over the last three decades.

Then, schedule a phone or zoom meeting with me to design your family's plan here