Paying for Care Now

Financial Tools When Long-Term Care Is Already Needed

Category: Planning & Retirement
Ideal for: Family caregivers, adult children, financial or eldercare seminars, senior centers, community events
Length: 30–60 minutes, flexible

What This Talk Covers

What happens when long-term care is needed right now—and there’s no plan in place? This session helps families in motion. Steven walks through practical options for financing care even after the crisis has begun. Topics include Medicaid eligibility basics, spend-down strategies, liquidating assets wisely, annuity-based options, and possible insurance alternatives that can still help. He also discusses common financial missteps to avoid under pressure and emphasizes the importance of family communication during this season. It’s not too late to make smart, compassionate choices.

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Key Takeaways

  • Understand Medicaid basics and asset rules
  • Explore immediate-use annuities, home equity, and other funding tools
  • Learn the pros and cons of late-stage long-term care insurance options
  • Avoid common financial mistakes made under care pressure
  • Communicate care expectations and funding roles clearly among family

Who This Talk Is For

  • Family members currently managing a parent or spouse’s care
  • Adult children unsure how to help
  • Caregivers overwhelmed by financial decisions
  • Financial professionals looking to educate client families
  • Anyone in a long-term care situation without a clear payment plan

Why This Topic Matters

Once care is needed, decisions come fast—and the wrong move can be costly. This talk offers clarity in the chaos. It reminds families that it’s not too late to take thoughtful, informed steps, even if the care train is already moving.

What Setting Is Best

This talk is designed to be accessible, engaging, and informative in any setting — whether you’re hosting a formal educational workshop or a casual community gathering.

Ideal venues include:

  • Retirement or eldercare seminars
  • Hospital discharge planning support events
  • Senior centers and support groups for caregivers
  • Faith-based caregiving ministries
  • Libraries or community enrichment programs

All I need is a quiet space, a place to project slides (optional), and a group of people ready to learn. I tailor the delivery style to fit your audience’s comfort level and questions.

Ready to Bring This Talk to Your Group?

Let’s make care decisions easier—even when they come faster than expected.

Click below to check my availability or to request this presentation.

INVITE STEVEN TO SPEAK

Disclaimer: 
This presentation is educational in nature and not intended to provide personalized legal, financial, or insurance advice. Attendees should consult appropriate professionals before making individual decisions.

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