{"id":158,"date":"2023-07-18T14:12:02","date_gmt":"2023-07-18T18:12:02","guid":{"rendered":"https:\/\/www.certitrek.com\/cltc\/?page_id=158"},"modified":"2025-05-02T12:17:01","modified_gmt":"2025-05-02T16:17:01","slug":"public","status":"publish","type":"page","link":"https:\/\/www.certitrek.com\/cltc\/public\/","title":{"rendered":"Overview"},"content":{"rendered":"

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Long-Term Care<\/h1><\/div>

Is Not a Place or a Condition.<\/h1><\/div>

It\u2019s a Life-Changing Event.<\/h1><\/div><\/div><\/div><\/div><\/div>

Welcome!<\/h2><\/div>

Congratulations on taking this first step to learn more about long-term care and the importance of planning for it. It might be the greatest gift you ever give to your loved ones.<\/p>\n<\/div><\/div><\/div>

The impact of an unexpected need for extended care (also known as long-term care) has serious, if not irreversible consequences to families and their ability to keep future financial commitments. Long-term care planning is a critical component of risk management and retirement planning and is considered the most overlooked aspect of insurance and financial planning in our country. A long-term care event and associated expenses pose the greatest threat to an individual\u2019s financial security.<\/p>\n

Long-term care planning, by necessity, is a complex process. Funding a plan is, by necessity, a complex process. That\u2019s why elder law attorney Harley Gordon, Esq. created the Certification for Long-Term Care (CLTC\u00ae) in 1999. He believed long-term care planning was an essential component of comprehensive financial, retirement and estate planning. Over the past 26 years, tens of thousands of planning professionals have completed this training, and carry the CLTC (Certified in Long-Term Care) designation.<\/p>\n<\/div>

What is Long-Term Care?<\/span><\/a><\/div><\/div><\/div><\/div><\/div>

What you can expect from working with a CLTC designee.<\/h1><\/div>

A CLTC is a planning professional who,<\/p>\n