Group LTC Benefits Blog

Is Long-Term Care a Gender Issue?

Why is Long-Term Care a woman's issue? Two words—longevity and caregiving.

Are you ready for the hard truth or facts?

  • There’s more of us out there
  • We live longer
  • We need more care than men
  • We’re usually the primary caregivers

Most of us are not adequately prepared for the challenges (emotional, financial and caregiving) associated with a Long-Term Care event. Group LTC Insurance can help us plan for our futures by providing a support structure or system, along with a tax-free funding strategy to pay for extended healthcare. Additionally, Group LTC plans have unisex rates unlike the Individual market where premiums for females can be 25-35% higher than males. Don’t believe me? Check out these numbers.

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InvestmentNews Survey Results on Women and Investing

Topics: Advice articles about planning, Group LTCI,

Written by Trina Brown

Trina Brown is a business development lead for employee and executive long-term care solutions at LTCI Partners, LLC, one of the nation’s largest Long-Term Care Insurance (LTCI) retail and wholesale brokerage enterprises. Trina graduated from Florida State University, where she received a BS in International Finance. After graduation, Trina remained countryside and accepted a position to launch Capital Administrative Services, Inc. (CAS), a new third party administrator for employee benefits out of Tallahassee, Florida, and served as Executive Director and Board Vice President until 2012. During Trina’s tenure with CAS she procured voluntary benefits for over 110,000 state employees and helped secure CAS as a leader for employee benefits and individual life insurance planning in the State of Florida. Trina’s determination to enhance the awareness for long-term care planning resulted from her dual role where she served as Director of Long-Term Care for Capital’s sales agency and worked in tandem with Capital’s Regional Vice President’s to develop and implement retail product and sales training for agents. Now for over a decade, Trina has had the pleasure of helping brokers, advisors and consumers find a long-term care solution and she understands the challenges in starting a dialogue about this type of planning. Whether serving consumers directly, or supporting professionals who do, Trina is committed to providing LTC awareness and peace of mind so that more Americans have a plan in place to protect their family’s well-being, retirement income and comfortable lifestyle in those “Golden Years.” Trina is a member of the National Association of Insurance and Financial Advisors (NAIFA) and shares the passion to protect the business of insurance and financial services. Trina served as former President Elect of the NAIFA Tallahassee and current First Vice President and Membership Chair for NAIFA Chicago, where she also lives downtown in the River North area.

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