How to Protect Your Parents' Life Savings from Long-Term Care Costs with Smart Insurance Planning – Without Sacrificing Your Own Financial Future
(Without Sacrificing Your Own Financial Future)
Discover how the right long-term care insurance strategy can safeguard your family’s wealth across generations, avoid devastating Medicaid spend-down requirements, and ensure your parents get quality care without the impossible financial burden falling on you.
Takes just 5 minutes – see exactly how much your family could save with the right long-term care insurance strategy for your parents.
The Hidden Crisis Destroying Families Who Don't Have Long-Term Care Insurance
The Devastating Reality Without Long-Term Care Insurance
Average nursing or cognitive care home costs: $108,405 per year
Home care services: $61,776 annually
70% of people over 65 will need long-term care
Most families without proper insurance exhaust three generations of wealth within 2.5 years
What This Means for Your Family
Your parents’ retirement nest egg – built over decades of hard work – could vanish in months without long-term care insurance protection. Medicare won’t cover it. Your own retirement plans may have to be abandoned to pay for their care. Without proper long term care insurance planning, you could face the heartbreaking choice between your parents’ care and your children’s college fund.
The Impossible Choice
Every year, millions of adult children like you are forced into an agonizing decision: drain your savings to pay for your parents’ care, or watch them suffer in substandard facilities. Many sacrifice their careers, mortgage their homes, and destroy their own retirement security trying to do the right thing – all because they didn’t have adequate long-term care insurance in place.
The Ripple Effect
Your Career: Taking time off for caregiving responsibilities
Your Marriage: Financial stress tears families apart
Your Children: College funds redirected to grandparents' care
Your Retirement: Delayed by decades or eliminated entirely
Your Parents: Guilt and feeling in crisis, watching their care disrupt their children's future
There's a Way to Protect Everyone in Your Family with the Right Long-Term Care Insurance
Unlike financial advisors who focus only on your parents’ assets, or insurance agents pushing generic long-term care insurance policies, Raymond understands the multi-generational impact of care costs. His comprehensive long-term care insurance approach protects the entire financial future of your family.
Our Unique 3-Generation Long-Term Care Insurance Protection Strategy
Parent Asset Preservation
We shield your parents’ wealth from care costs with strategic long-term care insurance while ensuring they receive quality care with dignity.
Family Financial Protection
We prevent you from having to choose between your parents’ needs and your own family’s security through proper insurance planning.
Legacy Preservation
We ensure there’s still an inheritance to pass down while covering all care expenses with the right long-term care insurance coverage.
The Result: Your parents get exceptional care, you avoid financial ruin, and your children's future remains secure. Everyone wins with proper long-term care insurance.
Real Families Raymond Has Protected with Long-Term Care Insurance Solutions
"Raymond found solutions when others said it was impossible." "We are retired and waited longer than we should to own extended care benefits. My wife could not qualify medically for extended care benefits, but I was able to get coverage. Raymond could have stopped there but with his knowledge and expertise, he recommended a critical care plan that my wife could qualify for which will provide benefits if she needs caregiving services. You are a professional and I am pleased to recommend you to my family, friends, and loved ones."
"He made the complex simple and gave us real peace of mind." "We appreciate your patience in helping us work through the process. My wife is not insurable, and I needed surgery before I could be approved for long-term care benefits. Thanks to your help, I will have funds available to pay for home care, assisted living, or nursing care services if I ever need them. In addition, the plan will provide benefits for my wife if she needs care."
"Raymond protected our family ranch for the next generation." "The accountant for our North Dakota ranch suggested that my husband and I should investigate extended care benefits because we both have health issues. When we provided our medical histories, Raymond was authentic and explained that I would not qualify medically for extended care benefits, but my husband probably would qualify. But then he surprised us by finding an option that we hadn't considered - long-term-care coverage for my husband and a critical care plan for me."
"He listened and understood when others wouldn't." "Although I had spoken with others about extended care benefits, you were the first person I felt comfortable with. Few of the others listened to my concerns. Although I thought I couldn't afford long-term care coverage, you patiently showed me what is possible, and I understood that the need for long-term care will affect my family even more than it will affect me. What you designed is a plan that will allow me and my family to conserve our money and retain our dignity."
"Finally, someone who explained everything clearly." "Within minutes, I felt comfortable with your knowledge and approach as you asked questions and then listened to my concerns. Using a screen-sharing program, you showed me exactly how you design long-term care plans. No one had ever done that, and it made working with you easy. I can see that with home health, physical therapy, and other health issues, older folks without LTC could really get in financial trouble. Certainly gives me peace of mind to have a policy!"
What These Stories Show
Creative Solutions
Raymond finds coverage options even when clients have health issues that disqualify them from traditional plans.
Family Protection
Plans designed to protect both spouses and preserve assets for the next generation.
Patient Education
Takes time to explain complex concepts until families truly understand their options.
Dignity Preserved
Ensures families can “conserve money and retain dignity” during care situations.
Meet Raymond Lavine
Your Long Term Care Insurance Expert Who Has Walked in Your Shoes
Raymond Lavine understands the heartbreak of watching parents navigate long-term care because he’s lived it. When his own father needed care and his mother used her long-term care insurance benefits, Raymond experienced firsthand the stress, confusion, and financial pressure that families face during these challenging times.
What Makes Raymond Uniquely Qualified as Your Long-Term Care Insurance Specialist:
Personal Experience That Drives His Mission
His family’s real-world experience shaped Raymond’s approach to long-term care insurance planning. He knows what it’s like to juggle your parents’ care needs with your own family’s financial security because he’s been exactly where you are now.
Recognized Long-Term Care Insurance Expertise
Featured on “Moving America Forward” with William Shatner, discussing long-term care insurance strategies
Contributing author to “Empathy & Understanding in Business” with his chapter “Empathy in a Time of Need”
Regular podcast guest sharing insights on long-term care insurance and financial protection for families
Ongoing advanced training with The Black Swan Group in negotiation and empathy techniques
Military Leadership Background
As a U.S. Army veteran who served with the 82nd Airborne Division and 173rd Airborne Brigade in Vietnam, Raymond brings the discipline, integrity, and problem-solving skills that military service instills. He approaches each family’s long-term care insurance situation with the same dedication and strategic thinking that served him in the military.
The "Tactical Empathy" Difference
Raymond’s unique approach combines professional expertise in long-term care insurance with a genuine understanding of your emotional challenges. His method of “tactical empathy” means he doesn’t just analyze your financial situation—he truly understands the family dynamics, fears, and values that drive your long-term care insurance decisions.
Raymond's Promise
“I’ve sat where you’re sitting, worrying about my parents while trying to protect my own family’s future. That’s why I’ll never recommend a long term care insurance strategy I wouldn’t use for my own family. Your peace of mind is my mission.”
Common Long-Term Care Insurance Questions from Adult Children
My parents are in their 70s – is it too late for long-term care insurance?
Not at all. While earlier planning offers more long-term care insurance options, we have strategies that work even for parents in their 70s and early 80s. The urgency is having a plan before care is needed.
What if my parents never need long-term care services?
Our hybrid long-term care insurance strategies often include death benefits, so your inheritance isn’t reduced. Additionally, with 70% of seniors requiring care, long-term care insurance planning is essential for protection.
How much will long-term care insurance cost our family?
Our consultation is completely free. Most families save 10-20 times their long-term care insurance planning investment. More importantly, proper insurance prevents you from having to drain your own savings for your parents’ care.
Will long-term care insurance affect my parents' Medicare or Social Security?
No. Our long-term care insurance strategies work in conjunction with existing benefits and often help maximize them without affecting eligibility.
What if my parents resist long-term care insurance planning?
We help families have these difficult conversations about long-term care insurance. Many parents become more receptive when they understand planning protects their children’s financial future, not just their own.
Don't Wait Until Crisis Requires Caregiving Planning – Get Long-Term Care Insurance Protection Now
Every day without long-term care insurance planning puts your entire family at risk. Long-term care costs rise 4% annually. Long-term care insurance premiums increase with your parents’ age. A sudden health event can make them uninsurable overnight, leaving you financially exposed.
Families who protect themselves with long-term care insurance act while they still have choices – before the crisis strikes.
Schedule Your Free Long-Term Care Insurance Strategy Session
No-obligation consultation for your entire family
Personalized cost analysis for your parents' situation
This consultation is not an obligation to purchase a plan. We’ll provide valuable insights regardless of whether you choose to work with us. Protect your family’s future – you have nothing to lose and everything to gain.
FREE: Family Long Term Care Insurance Cost Calculator
See exactly how much your family could save with proper long-term care insurance planning for your parents.
Instant results for your specific situation
No personal info required to start
Personalized long-term care insurance savings estimate
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Accessibility Statement
www.lavineltcins.com
November 16, 2025
Compliance status
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience,
regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level.
These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible
to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific
disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML,
adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with
screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive
a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements,
alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website.
In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels;
descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups),
and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag
for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology.
To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on
as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Disability profiles supported in our website
Epilepsy Safe Mode: this profile enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode: this mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode: this mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode: this mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Blindness Mode: this mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
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Font adjustments – users, can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds, with over seven different coloring options.
Animations – person with epilepsy can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
Content highlighting – users can choose to emphasize important elements such as links and titles. They can also choose to highlight focused or hovered elements only.
Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
Cognitive disorders – we utilize a search engine that is linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
Additional functions – we provide users the option to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.
Browser and assistive technology compatibility
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to
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