Interview with Carly Ebenstein, Long- Term Care Insurance Expert

In this insightful interview, Carly Ebenstein shares her expertise on long-term care insurance, clarifying common misconceptions, discussing optimal timing for purchasing coverage, and emphasizing the importance of planning ahead for aging and caregiving. This conversation provides practical advice for families to make informed decisions and start vital conversations about aging and care.Key TakeawaysTiming for long-term care insurance purchaseDifferences between Medicare, Medicaid, and long-term care insurance Activities of Daily Living (ADLs) and cognitive health in care needsFlexible benefits of hybrid long-term care policiesPlanning conversations and legal documents for agingHow long-term care insurance can save your family from crisisChapters00:00 Introduction to Long-Term Care Insurance01:43 Carly's Journey into Long-Term Care03:59 Understanding Medicare vs. Long-Term Care09:18 The Importance of Planning for Long-Term Care10:29 When to Consider Long-Term Care Insurance13:31 Protecting Options for the Future16:45 The Role of Caregivers in Long-Term Care19:03 Understanding Long-Term Care Insurance20:27 The Importance of Home Care Options21:27 Navigating Benefits and Payment Structures24:37 The Role of Caregivers in Long-Term Care25:14 Creating a Plan for Care26:25 Resources and Educational Offerings27:40 Challenging Assumptions About Long-Term Care29:38 Starting the Conversation About Care PlansResourcesCarly Ebenstein's WebsiteLong-Term Care Start Here WebinarSan Francisco Library EventCJB Insurance Services YouTube ChannelCost of Care CalculatorPrintable Plan of Care DocumentCarly Ebenstein's LinkedIn Profile © 2025-2026 Lisa M. Harper. All rights reserved. “Not Ready Yet: Curating Conversations for the Aging Journey” is a trademark of Lisa M. Harper.