{"id":1129,"date":"2025-02-25T12:10:22","date_gmt":"2025-02-25T16:10:22","guid":{"rendered":"https:\/\/www.certitrek.com\/cltc\/?p=1129"},"modified":"2026-01-21T09:46:46","modified_gmt":"2026-01-21T13:46:46","slug":"ltc-in-the-news-5-reasons-the-middle-class-arent-planning-for-long-term-care-insurance","status":"publish","type":"post","link":"https:\/\/www.certitrek.com\/cltc\/ltc-in-the-news-5-reasons-the-middle-class-arent-planning-for-long-term-care-insurance\/","title":{"rendered":"LTC in the News: 5 Reasons the Middle Class Aren\u2019t Planning for Long-Term Care Insurance"},"content":{"rendered":"<p>A recent article explores why middle-class families are not prioritizing long-term care insurance (LTCI)\u2014and our very own\u00a0<a href=\"https:\/\/www.ltc-cltc.com\/page\/kelly-augspurger\"><strong>Kelly Augspurger, CSA, CLTC\u00ae, LTCCP\u00ae<\/strong><\/a>, CLTC instructor, weighs in on the critical misconceptions holding people back.<\/p>\n<ul>\n<li>Many families underestimate the need for long-term care, not realizing the physical, emotional, and financial strain it puts on loved ones.<\/li>\n<li>Some believe LTCI is too expensive, but even a modest policy can significantly ease financial burdens.<\/li>\n<li>Medicare and Medicaid aren\u2019t the safety nets people assume\u2014leaving many without the care quality and choice they\u2019d prefer.<\/li>\n<li>Many default to self-funding, yet LTCI is designed to supplement personal savings, reducing financial risk.<\/li>\n<\/ul>\n<p>With nearly 70% of people over 65 needing long-term care, having a plan is essential. Don\u2019t wait until it\u2019s too late. If you\u2019re a financial professional, helping clients navigate LTC planning can be life-changing for them and their families.<\/p>\n<p>Read the full article\u00a0<a href=\"https:\/\/www.nasdaq.com\/articles\/5-reasons-middle-class-arent-planning-long-term-care-insurance\">here<\/a>:<\/p>\n<p><small>Disclaimer: The opinions expressed within these blog posts are solely the author\u2019s and do not reflect the opinions and beliefs of Certitrek, CLTC, or its affiliates.<\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A recent article explores why middle-class families are not prioritizing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-1129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ltc-in-the-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.4 (Yoast SEO v19.13) - 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