Is Long Term Care Insurance Worth It? Most Families Get This Wrong

Most people don't think about long-term care until they're already in the middle of a crisis — a parent who can't bathe alone, a spouse recovering from surgery, a sibling who quietly stopped going to work to help out. By then, the choices feel much smaller. Raymond Lavine, a long-term care insurance specialist, joins Dr. Kat to talk about why so many families get caught off guard and what it actually costs — financially and emotionally — when there's no plan in place.The conversation covers what long-term care insurance actually is (and how it differs from health insurance), the real meaning of the "sandwich generation" squeeze, and why having a plan is fundamentally about preserving choice. Dr. Kat shares her own experience caring for her mother, and Raymond walks through options that range from modest monthly premiums to asset-transfer plans, including policies that allow you to pay family members as caregivers. If you've ever felt like this conversation belonged to someone older, or someone with more money, or someone else entirely — this episode is worth your time.I want to hear from you!  To submit show ideas or be considered as a guest, visit https://chatwithdrkat.com/contact/Follow Chat with Dr. Kat:Facebook:  https://www.facebook.com/chatwithdrkatInstagram: https://www.instagram.com/chatwithdrkatYouTube: https://www.youtube.com/@chatwithdrkatTikTok: https://www.tiktok.com/@chatwithdrkatX:  https://x.com/ChatwithDrKatHealth & Wellness Programs:https://mindbodyseries.com/