Retirement Planning and Long-Term Health Care Insurance Plans Customized for your Budget Retirement Planning and Long-Term Health Care Insurance Plans Customized for your Budget

Retirement Planning and Long Term Health Care Insurance

Personalized Long-Term Care Plans:

Customized Strategies for Your Budget

Protect your loved ones from the burden of providing your care.

What Makes Lavine LTC Benefits Different from Other LTC Providers?


Focused on Value

At Lavine LTC Benefits, we understand the importance of balancing cost and value when it comes to long-term care insurance (LTCi).


We Understand

At Lavine LTC Benefits, we understand the personal challenges of caregiving from both a professional and personal perspective. Many of us have either witnessed loved ones become caregivers or have taken on this important role ourselves.


We Believe

At Lavine LTC Benefits, we believe that planning for long-term care involves more than just insurance coverage. We offer a comprehensive network of resources to support caregiving planning.



At Lavine LTC Benefits, we believe in empowering our clients with the knowledge they need to make informed decisions about their long-term care plans. That’s why we offer a comprehensive Learning Center that provides all the information you need.

LTC Benefits for Companies, Associations, Professional Organizations in Gig Harbor, Washington

Our Offerings

  • LTC Benefits for Companies, Associations, Professional Organizations
  • Subscription LTC and Short-Term Care Benefits
  • Guaranteed LTC Benefits

Benefits of Having a Long-Term Care Insurance Plan and Tax Advantages in California

Having a long-term care insurance plan can provide numerous benefits, including tax benefits, for residents of California. In California, long-term care insurance premiums are tax-deductible up to certain limits, depending on the age of the individual. For example, in 2021, the maximum amount of long-term care insurance premium that is deductible for an individual who is 41 to 50 years old is $1,690. For individuals over 70 years old, the maximum deductible amount is $5,640. Additionally, long-term care insurance benefits received are generally not taxable as income, as long as they are used to pay for qualified long-term care services. These tax benefits can help offset the cost of long-term care insurance premiums and make it more affordable for individuals and families to plan for potential long-term care needs.


At Lavine LTC Benefits, we advise people with why long-term care benefits help you, your family, and your Estate Plan.

Get a secure future with your family by owning Long-Term Health Care Insurance Plans

Owning a Long-term Care Benefit is about your family, your money, and the promises you made that they will have a secure future?

  • What is the Financial cost of not having a caregiving plan?
  • What is the Emotional price if you become responsible for part or full-time caregiving?
  • What is the worst-case scenario if you do not own a long-term care plan?


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.

Lonnie and Karen (New Mexico)

It took me years to decide to own a long term care plan. My parents needed care and they had to sell some of their investment properties to pay for it. That reduced their income and increased tax expenses.

C.J (Washington)

I am a scientist by training and only own insurance that I need. My parents needed care giving because of health issues and I knew that having a care giving plan for me would be of value if I could speak with a person to explain the need and plans which would provide me with what I wanted along and making sure I did not over buy benefits.

Rob (Washington)

Secure Your Financial Independence in Retirement with Long-Term Care Insurance Planning

Investing in a long-term care insurance plan early in life, before retirement or the need for caregiving services arises, can provide numerous benefits. By getting coverage at a younger age, individuals can secure lower premiums and ensure their eligibility for coverage when they may be more likely to need it in the future. Moreover, long-term care insurance can offer a greater degree of flexibility in care options, providing individuals with the ability to choose the type and setting of care that best suits their needs. Additionally, long-term care insurance can help protect individuals’ retirement savings, enabling them to maintain their financial independence and avoid becoming a financial burden on their loved ones. By taking a proactive approach to their long-term care needs, individuals can enjoy greater peace of mind and security in their future.


We Got You Covered with All Your Long-term Care Needs

Long-term care insurance is an essential tool for anyone who wants to plan for their future and protect their financial well-being.

Lavine LTC Benefits has got you covered with all your Long-term Health Care needs

We Are Committed to Supporting Family Caregivers

No “safe return on investment” is available to you as an individual or with a spouse/partner to accomplish what an insurance company and the tax code provide under Long-Term Care Benefits.

There is a simple way to verify my point. Please call your wealth advisor and ask them to do the following


Their management fees on any of the money they advised you to keep in place for caregiving. (They won’t)


A return on investments to provide Care Giving $$$$$ as soon as next month with ZERO risk to your money. (They can’t)

Make those dollars tax-free

when used to pay for LTC expenses. (Not Possible)

Lavine LTC Benefits proudly serves clients in Gig Harbor, Tacoma, Seattle, Spokane, Bremerton, Port Orchard, Port Townsend, Port Angeles, Grays Harbor, Olympia, Vancouver (WA), and the surrounding areas.