Generated by Rank Math SEO, this is an llms.txt file designed to help LLMs better understand and index this website. # Gordon Associates Long Term Care Insurance: Making Long Term Care Insurance Easy ## Sitemaps [XML Sitemap](https://galtci.com/sitemap_index.xml): Includes all crawlable and indexable pages. ## Posts - [When to Buy Long-Term Care Insurance](https://galtci.com/2026/06/24/when-to-buy-long-term-care-insurance/): One of the most common questions we are asked is, “What’s the best age to buy Long Term Care Insurance (LTCI)?” This question comes up because many clients wonder if they are somehow too young or too old to obtain effective coverage. However, there is no universally accepted “best” age. And the best time to buy Long Term Care Insurance will often come down to the needs of the individual client. - [What is an Aging Life Care Professional®?](https://galtci.com/2026/05/13/what-is-an-aging-life-care-professional/): From Gordon Associates – we are pleased to introduce this blog from Rhonda Guzman, of Person Centered Senior Solutions. - [How to Pay for Long Term Care: Funding and Tax Strategies](https://galtci.com/2026/03/25/how-to-pay-for-long-term-care-funding-and-tax-strategies/): More than 66% of Americans will require long term care at some point in their lives. While certain risk factors may make the need for long term care more likely, no one can rule out what care they may or may not require later in life. This makes Long Term Care Insurance an absolutely critical tool for the financial wellbeing of most Americans. Unfortunately, planning and paying for Long Term Care Insurance can often feel like a confusing and overwhelming challenge. - [My Kids Will Help When the Time Comes 03-05-2026](https://galtci.com/2026/03/17/my-kids-will-help-when-the-time-comes-03-05-2026/): Price of Business Show · Brian I. Gordon- My Kids Will Help When the Time Comes - [What Should I Do If My Parent Refuses Help or Resists Care?](https://galtci.com/2026/03/12/what-should-i-do-if-my-parent-refuses-help-or-resists-care/): From Gordon Associates – we are pleased to introduce this blog from Rhonda Guzman, of Person Centered Senior Solutions. - [Talk with Your Parents About Helping You Purchase Long Term Care Insurance](https://galtci.com/2025/12/30/talk-with-your-parents-about-helping-you-purchase-long-term-care-insurance/): The cost of Long Term Care Insurance (LTCI) tends to increase as you age. Which means that starting your LTCI journey as early as possible can have significant financial benefits. Unfortunately, many younger folks are still finding their financial footing, and LTCI can seem like a heavy lift. This is not an insurmountable problem, and many younger folks have taken to a solution that can feel downright old fashioned: asking their parents for help.  - [Resources to Help Navigate Long Term Care](https://galtci.com/2025/10/27/resources-to-help-navigate-long-term-care/): In many ways, Long Term Care Insurance can help prepare families and individuals for the realities of long term care (especially the financial realities). Additionally, there are other resources that can help you and your family navigate the complex realities of long term care.  - [Long Term Care Insurance Policies are Not Standardized! Work With a Specialist to Buy One](https://galtci.com/2025/08/25/long-term-care-insurance-policies-are-not-standardized-work-with-a-specialist-to-buy-one/): If you want a new lawn mower, you can go to the store and purchase one pretty easily. That’s because, for the most part, lawn mowers are fairly standardized. True, some have more features than others, but they’re all going to do essentially the same thing. This is true with so many facets of American life that it’s easy to believe everything is standardized enough to allow easy shopping. That’s not the case when it comes to Long Term Care Insurance. - [Your Guide to ACA Marketplace Plans](https://galtci.com/2025/08/21/your-guide-to-aca-marketplace-plans-2/): The Health Insurance Marketplace, also known as the exchange, offers a variety of options for individuals and families to enroll in qualified Affordable Care Act plans. However, navigating the exchange can be confusing and even overwhelming. In the individual market, there are several ways you can apply for health insurance. Before applying, it is important to know key information and understand the difference between plans. Here are some common questions you should know the answers to.  - [The True Cost of Informal Caregiving](https://galtci.com/2025/06/24/the-true-cost-of-informal-caregiving/): Over 50 million Americans have provided unpaid or informal caregiving at some point over the past year. That’s one-in-five Americans–a staggeringly high number. On its surface, informal caregiving may seem to provide some significant benefits to families: it seems inexpensive, it’s familiar, and it probably doesn’t require a large amount of paperwork. But there are significant and lasting downsides, both to caregivers and for those receiving care.  - [Long Term Care Insurance Riders](https://galtci.com/2025/05/01/long-term-care-insurance-riders/): Imagine Long Term Care Insurance (LTCI) as a pizza. You can select a basic policy–in this example, that’s a cheese pizza. But a cheese pizza isn’t necessarily going to work for everyone. Some people want jalapenos and mushrooms. Others might want a white sauce instead of a red sauce. This requires more flexibility than a simple cheese pizza can give you. In the world of Long Term Care Insurance, one of the ways that this level of customizability is achieved is with Insurance Riders.  - [The Benefits of Hospice](https://galtci.com/2025/04/21/the-benefits-of-hospice/): From Gordon Associates – we are pleased to post this guest blog from Ellen Lerner with Accord Hospice. - [Options For Care While At Home](https://galtci.com/2025/03/27/options-for-care-while-at-home/): From Gordon Associates – we are pleased to post this guest blog from Jenny Novy with Amada Senior Care. - [Tackle Long Term Care Insurance as Soon as You’re Financially Ready](https://galtci.com/2025/02/26/tackle-long-term-care-insurance-as-soon-as-youre-financially-ready/): Sometimes in life waiting makes sense.  However, when it comes to preparing for retirement, planning and acting sooner is often better.  Many people ask us when the right time is to explore Long Term Care Insurance options. Our philosophy is simple. Tackle Long Term Care Insurance as soon as you’re “financially ready”. We define “financially ready” as someone who can cover day to day expenses without stress, limited debt, and has a plan for their financial future. - [Navigating Life’s Transitions: How Personal Bookkeeping Can Ease the Process](https://galtci.com/2025/01/27/navigating-lifes-transitions-how-personal-bookkeeping-can-ease-the-process/): From Gordon Associates – we are pleased to post this guest blog from Lisa Lipton with My Personal Bookkeeper. - [50 Years of Helping Clients Find the Right Long Term Care Insurance](https://galtci.com/2025/01/23/50-years-of-helping-clients-find-the-right-long-term-care-insurance/): It's important to have a Long Term Care Insurance (LTCI) partner you can trust. At Gordon Associates, that trust is based on experience, backed by expertise, and strengthened by our dedication to personalized service. “Working hard to make Long Term Care Planning easy” has been our mission since the beginning. - [50-Year View of the Long Term Care Industry](https://galtci.com/2025/01/21/50-year-view-of-the-long-term-care-industry/): Long Term Care Insurance (LTCI) has been well-established as a means of protecting your financial security and wellness as you age. But there was a time when LTCI didn’t exist. - [Avoid Self-Inflicted Wounds with Your Long Term Care Insurance Policy](https://galtci.com/2024/12/22/avoid-self-inflicted-wounds-with-your-long-term-care-insurance-policy/): There’s nothing worse than watching your favorite sports team self-destruct in the final seconds of a game, paving the way to defeat with one avoidable error after another. Unfortunately, such scenarios are not limited to the arena of professional sports. These kinds of last-minute, self-inflicted wounds can happen in the world of Long Term Care Insurance (LTCI), too. - [Long Term Care Planning and Long Term Care Insurance for Single Seniors](https://galtci.com/2024/10/28/long-term-care-planning-and-long-term-care-insurance-for-single-seniors/): Nearly half of the United States adult population is single. This represents a significant shift in the way that people age, especially in terms of how people receive and seek out healthcare. After all, long term care needs will be starkly different for those who are single compared to those who are partnered. As a result, it’s essential for individuals to examine how Long Term Care Insurance for single seniors may be uniquely tailored to help them meet their goals and requirements. - [Overview of Reverse Mortgages](https://galtci.com/2024/09/24/overview-of-reverse-mortgages/): By considering a Reverse mortgage. - [The Benefits of Doing Physical Therapy at Home](https://galtci.com/2024/08/24/the-benefits-of-doing-physical-therapy-at-home/): From Gordon Associates – we are pleased to post this guest blog from Lauren Lorensen with Legends Home Therapy. - [The Role of Technology in Long Term Care](https://galtci.com/2024/08/24/the-role-of-technology-in-long-term-care/): Technology is a critical and inseparable part of healthcare. That’s also true for long term care, where technology is making it easier for individuals to stay independent and stay connected to loved ones. As a result, technology in Long Term Care Insurance (LTCI) is also moving forward, and the modern LTCI landscape represents one that allows policy-holders more options and more control. - [Long Term Care Insurance for LGBTQ+ Seniors](https://galtci.com/2024/06/24/long-term-care-insurance-for-lgbtq-seniors/): Long Term Care Insurance (LTCI)  is available to everyone throughout the United States, regardless of sex, gender, or sexual orientation. That’s certainly true for members of the LGBTQ+ community. Long Term Care Insurance for LGBTQ+ seniors works the same way and offers the same protections as it would for anyone else. However, there are some special considerations that members of the LGBTQ+ community may wish to take into account when making policy choices. - [PolyPharmacy And What You Can Do](https://galtci.com/2024/06/24/polypharmacy/): Let’s start with polypharmacy. It is defined as taking five or more medications regularly or using medications that are harmful or not necessary.   - [Riders in Long Term Care Insurance](https://galtci.com/2024/04/25/riders-in-long-term-care-insurance/): Imagine that insurance is like a motorcycle. An insurance rider, then, is kind of like that side-car you can attach to that motorcycle (usually used to carry passengers or luggage). Put in a more straightforward way, an insurance “rider” is an additional (or optional) feature that is added to an already existing plan. That’s true when it comes to car insurance or Long Term Care Insurance (LTCI). However, LTCI riders have some interesting (and noteworthy) nuances and features that are worth examining. - [Navigating Long Term Care Insurance for Dementia Patients](https://galtci.com/2024/03/05/navigating-long-term-care-insurance-for-dementia-patients/): So, let’s say you already have LTCI. That’s a good thing! What do you need to know about Long Term Care Insurance for dementia patients? Well, there are a few things you should keep in mind: - [When LTCI Policyholders Make Poor Decisions](https://galtci.com/2023/12/29/when-ltci-policyholders-make-poor-decisions/): Even the best Long Term Care Insurance policy won’t help you if you don’t let it. Unfortunately, policyholders are sometimes their own worst enemies, making understandable errors that undermine their benefits. Often, these mistakes can be avoided with a little foresight–and it’s yet another good reason to work with a seasoned LTCI specialist, who can ground that foresight in experience and expertise. - [Moving Later in Life? Keep These Points In Mind](https://galtci.com/2023/11/16/moving-later-in-life-keep-these-points-in-mind/): This is a guest post from a trusted resource of ours, Betsy Phillips, Realtor® SRES, CSHP. Betsy is a Senior Real Estate Specialist (SRES). Betsy is with Compass Realty and is based in Glenview, IL. The opinions expressed in this post are Betsy's alone. We had no input into the content of this post. - [How to Start the Discussion with Clients About Long Term Care Planning](https://galtci.com/2023/10/24/how-to-start-the-discussion-with-clients-about-long-term-care-planning/): It’s hard enough to get people to sit down and plan for their retirement. It’s understandable, then, that the last thing financial planners want to do is talk about long term care planning. But that’s unfortunate. Long Term Care Insurance (LTCI) is a powerful tool, and it can help clients fully enjoy (and secure) their golden years.  - [Benefits of Using a Specialist in Long Term Care Insurance](https://galtci.com/2023/08/28/benefits-of-using-a-specialist-in-long-term-care-insurance/): Do you really need a Long Term Care Insurance specialist? After all, you get your auto insurance and homeowner’s insurance through a kind of one-stop shop insurance broker. (Sometimes you even get a bundle deal for getting all your insurance in one place.) Isn’t the logical place to start with your “jack of all trades”-type insurance agent? - [Cases When Policies Are Used Successfully](https://galtci.com/2023/07/18/cases-when-policies-are-used-successfully/): Both of these example cases come directly from GALTCI’s own clients. We won’t be using the clients’ real names in order to protect their privacy (and their family’s privacy), but the details remain true.  - [Factors to Consider Before Buying a Long Term Care Insurance Policy](https://galtci.com/2023/05/11/factors-to-consider-before-buying-a-long-term-care-insurance-policy/): Your health is unique. And that remains true as you age. As a result, long term care is highly individualized, both in terms of the care you need and when you need it. Long term care can quickly become complex–and so too can the Long Term Care Insurance Policy. Both benefits and drawbacks can hide in these wrinkles of complexity; if you don’t know what you’re looking for, you may end up with a policy that isn’t suited to your needs. - [Quick Skim News from Gordon Associates Long Term Care Planning](https://galtci.com/2023/02/09/quick-skim-news-from-gordon-associates-long-term-care-planning/): When the oldest baby boomers turn 80 in 2025, they will be among those who may need more support and services, and the burden will be heaviest for their kids. - [Quick Skim News from Gordon Associates](https://galtci.com/2023/01/16/quick-skim-news-from-gordon-associates/): We've changed our name to Gordon Associates Long Term Care Planning. New great name. Same great company. - [5 Reasons to Include Long Term Care Insurance in Your Estate Planning](https://galtci.com/2022/12/21/5-reasons-to-include-long-term-care-insurance-in-your-estate-planning/): Estate planning usually isn’t a favorite topic of conversation. But thinking about the future–and especially what that future might look like as you age–is critically important to ensuring that your end of life and legacy wishes are respected. Making Long Term Care Insurance (LTCI) part of those estate considerations an important, but all too often overlooked aspect. The reality is including LTCI in estate plans can help you more successfully achieve your legacy goals–and protect your finances into the future. - [Messenger Fall/Winter 2022](https://galtci.com/2022/11/18/messenger-fall-winter-2022/) - [Quick Skim News from Gordon Associates](https://galtci.com/2022/11/02/quick-skim-news-from-gordon-assoc-maga-31/): This is a nice summary of resources out there to help navigate long term care. Please include us as a resource. We answer questions all the time and have a strong referral network. - [Offering LTCI as an Employee Benefit](https://galtci.com/2022/10/31/offering-ltci-as-an-employee-benefit/): But what does Long Term Care Insurance as an employee benefit really look like? And how can you implement an LTCI program with your business? - [Is Using IRA Assets to Purchase LTCI Right for You or Your Clients?](https://galtci.com/2022/10/22/is-using-ira-assets-to-purchase-ltci-right-for-you-or-your-clients/): There are a few ways to use IRA assets to purchase LTCI–and there are benefits and drawbacks to each approach. This approach may not be for everyone, though, so be sure to talk to your financial advisory or LTCI Insurance specialist about your own situation. - [Quick Skim News from Gordon Associates](https://galtci.com/2022/09/08/quick-skim-news-from-gordon-assoc-maga-29/): This is a big deal - insurance carriers no longer tell us at Gordon Associates when our clients' premiums will be raised. - [Remember Inflation When Estimating Long Term Care Costs](https://galtci.com/2022/08/31/remember-inflation-when-estimating-long-term-care-costs/): Everyone’s talking about inflation here in 2022. From food prices to energy costs, you’re not alone if your budget doesn’t stretch quite as far as it used to. Knowing how to cope with inflation in long term care costs can help protect your future and stretch your budget. - [Quick Skim News from Gordon Associates](https://galtci.com/2022/07/30/quick-skim-news-from-gordon-assoc-maga-28/): Adults in the United States are not preparing for their long-term care costs and needs, according to two new industry surveys. - [A Few Things You Might Not Know About Hybrid LTCI Policies](https://galtci.com/2022/07/12/a-few-things-you-might-not-know-about-hybrid-ltci-policies/): Hybrid Long Term Care Insurance policies are a consistently popular and exciting product. But as with any type of long term care insurance, it’s worth unpacking the details at the same time you’re inspecting the intriguing and appealing benefits. - [Buying Long Term Care Insurance for Your Adult Children](https://galtci.com/2022/06/05/buying-long-term-care-insurance-for-your-adult-children/): LTCI for your Adult Kids: Plan Options - [Quick Skim News from Gordon Associates](https://galtci.com/2022/06/02/quick-skim-news-from-gordon-assoc-maga-26/): Unless you are wealthy (self-pay), have paid long-term care insurance or are destitute, you won’t be able to afford long-term care. - [A Few Things You Might Not Know About Traditional Long Term Care Insurance](https://galtci.com/2022/05/16/a-few-things-you-might-not-know-about-traditional-long-term-care-insurance/): You might think there’s nothing new in traditional Long Term Care Insurance (LTCI). After all, LTCI as a concept has been around since the 1960s. So, you might be surprised to learn that there are probably a few updates and changes you might not be aware of.  - [Quick Skim News from Gordon Associates](https://galtci.com/2022/05/04/quick-skim-news-from-gordon-assoc-maga-25/): COVID hasn't made buying Long Term Care Insurance any easier. The takeaway - start the application process earlier and be more flexible with the policy you might end up taking. - [Can Long Term Care Insurance be Publicly Funded?](https://galtci.com/2022/03/30/can-long-term-care-insurance-be-publicly-funded/): Long Term Care Insurance (LTCI) is designed to provide peace of mind and financial stability. So, on a fundamental level, it makes sense that state and local governments would have an interest in providing LTCI. But the new Washington State LTCI Mandate is raising some interesting questions.  - [What Long Term Care Insurance Does Not Cover](https://galtci.com/2022/02/24/what-long-term-care-insurance-does-not-cover/): That’s why knowing what Long Term Care Insurance does not cover can help prepare you for these expenses and leave you more satisfied with your coverage in the long run. - [Quick Skim News from Gordon Associates](https://galtci.com/2022/02/01/quick-skim-news-from-gordon-assoc-maga-22/): Ideally, your mom and dad will remain healthy and independent. But many people will need some help with daily activities or require supervision due to dementia. There are things to consider when it's time to move mom or dad into your home. - [Long Term Care Costs Have Risen Faster Than Inflation and Social Security](https://galtci.com/2022/01/31/long-term-care-costs-have-risen-faster-than-inflation-and-social-security/): We typically think of inflation as something that’s slow and steady–and, therefore, easy to plan around. That’s not the case with long term care costs. Over the last twenty years, long term care costs have risen at a rate faster than some income sources have kept up with.  - [Unsolicited Offers from Your LTCI Company May Not Be in Your Best Interest](https://galtci.com/2021/12/19/unsolicited-offers-from-your-ltci-company-may-not-be-in-your-best-interest/): When you own a Stand-Alone “Traditional” Long Term Care Insurance policy, it’s important to understand when to consider making changes to the policy. There are benefits and/or consequences that may affect your premium. Therefore, it’s a good idea to educate yourself on how to recognize an Unsolicited Offers from Your LTCI Company and when the time may be right to make a valuable change to your current policy.  - [Quick Skim News from Gordon Associates](https://galtci.com/2021/12/07/quick-skim-news-from-gordon-assoc-maga-20/): Washington State's new public option for Long Term Care Insurance goes into effect on January 1st. It's not terribly popular. This opinion piece does a good job of explaining why that is. - [Incidental ADLs vs ADLs and Your Long Term Care Insurance Policy](https://galtci.com/2021/11/25/incidental-activities-daily-living/): You probably don’t think in terms of incidental activities of daily living. To you, these are simply tasks: eating breakfast, getting out of bed, or grabbing the newspaper in the morning. These are the fundamental actions that keep you living independently. Experts call these Activities of Daily Living (ADL) and Incidental Activities of Daily Living (IADL), but they are not the same when it comes to qualifying for benefits from your Long Term Care Insurance (LTCI) policy. - [Messenger Consumer Newsletter Fall / Winter 2021](https://galtci.com/2021/11/15/messenger-consumer-newsletter-fall-winter-2021/): Download The Messenger Newsletter - [Quick Skim News from Gordon Associates](https://galtci.com/2021/11/08/quick-skim-news-from-gordon-assoc-maga-19/): Social Security benefits may be adjusted for inflation but the costs of many goods and services rise faster. - [When Couples Buy Long Term Care Insurance Together](https://galtci.com/2021/10/14/couple-buying-long-term-care/): Couples buying long term care insurance not only protect their assets, but to provide the peace of mind that they and their loved one will have the care they need and choose, if and when that time comes.  Depending solely on a spouse—or another family member—can also take a significant physical and emotional toll on our loved ones.  Couples buying long term care insurance can receive supportive benefits such as aging life care management (aka: geriatric care management) and respite care to help the caregiver. - [Quick Skim News from Gordon Associates](https://galtci.com/2021/09/15/quick-skim-news-from-gordon-assoc-maga-17/): Assured Allies is working to help prevent those with long-term care insurance from developing severe dementia or other disabilities - [Now You Have An LTCI Policy, What’s Next?](https://galtci.com/2021/08/31/now-you-have-an-ltci-policy-whats-next/): After you purchase a Long Term Care Insurance (LTCI) policy to help protect yourself, your family and retirement nest egg, you’ll want to follow a few simple steps to help keep yourself organized and keep your family updated! - [15 Ways Caregivers Need To Take Care of Themselves](https://galtci.com/2021/07/15/caregivers-selfcare/): While it’s wonderful to act as a caregiver—to give back to your parents or an elderly person by helping them as they age, caregiving can also be stressful, frustrating, angering, isolating and immensely depressing, at times. In other words, being a caregiver is no picnic. - [The 5 Types of Care: What Are The Differences?](https://galtci.com/2021/06/09/the-5-types-of-care-what-are-the-differences/): From Gordon Associates – we are pleased to post this guest blog from Senior Living Experts. We have referred many clients to them for help finding resources for senior citizens, and we have always been happy with their results. Even though they are based in the Chicagoland area, their reach is wide and they have helped us with clients as far as Arizona. - [Quick Skim News from Gordon Associates](https://galtci.com/2021/06/03/quick-skim-news-from-gordon-assoc-maga-15/): As the pandemic spread, images of nursing homes and assisted care facilities flooded the media. The sick and elderly were particularly vulnerable to this deadly virus and so many families were cut off from their parents and grandparents in the hopes of protecting them from exposure to COVID-19. - [Three Simple Steps to Purchasing a Long Term Care Insurance Policy](https://galtci.com/2021/05/13/three-simple-steps-to-purchasing-a-long-term-care-insurance-policy/): At Gordon Associates, we have been helping families with Long Term Care planning and claims assistance since 1975.  Please contact us for more information about how to buy a Long Term Care Insurance policy. - [Adding Long Term Care Insurance to Financial Planning After You Qualify](https://galtci.com/2021/04/14/adding-long-term-care-insurance-to-financial-planning-after-you-qualify/): When you first meet with your specialist to discuss LTCI in your financial planning, you’ll need to have your health history documentation available. This includes: - [Quick Skim News from Gordon Associates](https://galtci.com/2021/03/12/quick-skim-news-from-gordon-assoc-maga-12/): An LTC insurance veteran has ideas about how to get policyholders and their families out of a paperwork maze. - [Evaluating Options to Cover Long Term Care Costs](https://galtci.com/2021/02/11/long-term-care-costs/): Long Term Care costs can be very expensive for someone who has a major health problem and needs help with Activities of Daily Living (ADL) – bathing, dressing, toileting, transferring, continence and eating. Health insurance and Medicare do not cover this type of chronic care. Often the need for home care, assisted living, skilled nursing or adult day care arises, and you need to decide how you will pay for these Long Term Care costs. - [Quick Skim News from Gordon Associates](https://galtci.com/2021/02/04/quick-skim-news-from-gordon-assoc-maga-11/): LTCI carriers send unsolicited offers to reduce a policy's premium. The offer is good for the carrier. Is it good for your client? That depends. - [Messenger Consumer Newsletter Fall / Winter 2020](https://galtci.com/2020/12/23/consumer-newsletter-fall-winter-2020/): Download The Messenger Newsletter - [Using an IRA to Acquire Long Term Care Insurance](https://galtci.com/2020/11/23/using-an-ira-to-acquire-long-term-care-insurance/): If you have a Traditional IRA and/or a Beneficiary IRA, chances are you have plans for the assets. Oftentimes those assets are earmarked to help fund retirement and family legacy. However, an unexpected long term care event can wreck those plans if one is completely self-funding it.   - [Quick Skim News from Gordon Associates](https://galtci.com/2020/11/02/quick-skim-news-from-gordon-assoc-maga-8/): Older adults experience a fall at some point. It is often unexpected and most don't have a plan in place preventing senior falls. - [Quick Skim News from Gordon Associates](https://galtci.com/2020/10/08/quick-skim-news-from-gordon-assoc-maga-7/): Nursing homes visitors have been banned since March because of COVID-19. Now the federal agency that regulates the facilities has outlined terms for resuming visits immediately. - [Reducing the Risk of Falls for Older Adults](https://galtci.com/2020/10/01/reducing-the-risk-of-falls-for-older-adults/): We know it is common for older adults to experience a fall at some point. Unfortunately, it is often unexpected and most families do not have a plan in place when an accident happens. Healthcare providers who work in the aging industry are typically well prepared to help in preventing falls in seniors. But family members and individuals themselves may not have taken the necessary steps to prevent falls in their homes. While some falls can be easily prevented, others may not be. - [Brian Gordon Guests on the Personal Financial Planning Section Podcast Part 2](https://galtci.com/2020/09/14/brian-gordon-guests-on-the-personal-financial-planning-section-podcast-part-2/): In September 2020, Brian Gordon guested on the Personal Financial Planning Section Podcast to discuss a range of issues about Long Term Care Insurance and Long Term Care Planning. This is part 2. - [Brian Gordon Guests on the Personal Financial Planning Podcast Part 1](https://galtci.com/2020/09/14/brian-gordon-aicpa-podcast-part1/): In September 2020, Brian Gordon guested on the Personal Financial Planning Section podcast to discuss a range of issues about Long Term Care Insurance and Long Term Care Planning. This is part 1. - [How to Ensure You Have a Positive LTCI Claim Experience](https://galtci.com/2020/09/04/how-to-ensure-you-have-a-positive-ltci-claim-experience-and-avoid-denied-long-term-care-insurance-claim/): Investing in Long Term Care Insurance (LTCI) is a smart way to protect your assets and your family from the potential high cost of experiencing a long term care event. When it comes time to submitting a claim, you will want it to be seamless to help avoid any delays from your insurance company. After all, delays and requests for re-submissions can be frustrating…it’s best to be prepared and educated so you can steer clear of having a denied long term care insurance claim. - [Quick Skim News from Gordon Associates](https://galtci.com/2020/08/31/quick-skim-news-from-gordon-assoc-maga-6/): Take a quick skim through articles we found useful this month in the Long Term Care planning world. - [Quick Skim News from Gordon Associates](https://galtci.com/2020/08/06/quick-skim-news-from-gordon-assoc-maga-5/): Adults aged 60 and up have fared better emotionally compared to younger adults and middle-aged adults. - [Caring for an Aging Parent during COVID-19](https://galtci.com/2020/07/28/caring-for-an-aging-parent-during-covid-19/): Many baby boomers are now responsible for managing care for an aging parent during the COVID-19 pandemic. While you adjust your own personal life and navigate through this challenging time, there is also a lot to consider when consulting an elderly parent. Often times, they may face an illness, recover from a surgery or have an underlying medical condition. When it comes to caring for aging parents during COVID-19, you want to be very reliable and communicative with your parents.     - [Quick Skim News from Gordon Associates](https://galtci.com/2020/07/16/quick-skim-news-from-gordon-assoc-maga-4/): Take a quick skim through articles we found useful this month in the long term care planning world. - [Quick Skim News from Murray A. Gordon & Assoc. (Gordon Associates)](https://galtci.com/2020/06/18/quick-skim-news-from-murray-a-gordon-assoc-maga-3/): Take a quick skim through articles we found useful this month in the long term care planning world. - [Long Term Care Planning Mitigates Risks in a Future Bear Market](https://galtci.com/2020/06/12/financial-planning-for-long-term-care-in-a-bear-market/): With many clients re-evaluating asset and investment strategies due to unforeseen challenges in 2020, financial planning is now top of mind. Moreover, financial planning for Long Term Care should be considered an essential part of a retirement portfolio.  - [Quick Skim News from Gordon Associates](https://galtci.com/2020/05/07/quick-skim-news-from-gordon-assoc-maga-2/): Take a quick skim through articles we found useful this month in the Long Term Care planning world. - [COVID – 19 and Long Term Care Insurance Quick Skim from Gordon Associates](https://galtci.com/2020/04/07/covid-19-and-long-term-care-insurance-quick-skim-from-gordon-assoc-maga/): New information for you and your clients regarding COVID – 19 and Long Term Care Planning and Insurance. - [Long Term Care Insurance and CCRCs: How They Work Together](https://galtci.com/2020/02/07/long-term-care-insurance-and-ccrcs-how-they-work-together/): Long Term Care Insurance (LTCI) and a Continuing Care Retirement Community (CCRC) both appeal to the same type of people: people who want to plan for their future and don’t want to leave things to chance. - [The Quick Skim from Gordon Associates Long Term Care Planning](https://galtci.com/2020/01/11/the-quick-skim-from-maga-long-term-care-planning/): Happy New Year! We hope you had a wonderful holiday season and new year with your friends and family. - [5 Ways to Reduce Costs During Your LTCI Elimination Period](https://galtci.com/2019/12/20/ltci-elimination-period/): As with calendar day elimination periods, this strategy works if you need minimal help—say you start early on with a progressive illness—and/or have family members who will help. - [Understanding Medicare’s Long Term Care Benefit](https://galtci.com/2019/11/15/understanding-medicares-long-term-care-benefit/): A surprising number of seniors still believe that Medicare will cover all their long term care expenses, according to a study by AARP. But here’s the reality: Medicare offers limited-time long term care coverage that applies only to skilled nursing care. Long term care insurance (LTCI), on the other hand, covers many types of care for the length of your selected benefit period. - [Medicare’s Hospital Observation vs. Admission Rule: The Difference Could Cost You!](https://galtci.com/2019/10/24/hospital-observation-vs-admission/): Then, observation status was introduced by the Center for Medicare and Medicaid Services (CMS) as a halfway point between ER treatment and full admission. Not only did this give doctors time to determine if a patient needed to be admitted, it was launched as a cost-saving measure, since Medicare lowered its payments to hospitals for these stays. - [What’s the Best Age to Purchase LTCI?](https://galtci.com/2019/09/26/best-age-to-purchase-ltci/): When it comes to Long Term Care Insurance, one question we are often asked is “at what age is it best to apply for LTCI?” Many clients wonder if they’re “too young” or “too old” to obtain coverage and there are two schools of thought on this. - [Dos and Don’ts of Getting a Long Term Care Insurance Claim Approved](https://galtci.com/2019/09/12/getting-long-term-care-insurance-claim-approved/): Whoever is handling the long term care insurance claim must be persistent and detail-minded, documenting every phone call (date, time and who you spoke with) and keeping copies of all records. In addition, they should steer clear of these five common pitfalls: - [The latest from Gordon Associates Long Term Care Planning](https://galtci.com/2019/08/30/the-latest-from-maga-long-term-care-planning/): Experts offer advice on the best way to take care of a person with dementia who lives at home, and when the time is right to move them into a care facility. - [Newsletter June 2019](https://galtci.com/2019/06/27/newsletter-june-2019/) - [3 Key Facts to Know about Long Term Care Insurance](https://galtci.com/2019/06/27/3-key-facts-to-know-about-long-term-care-insurance/): While many people think they know what Long Term Care Insurance (LTCI) is, there are many misconceptions out there. Here, we tackle three key facts to gaining a clearer understanding of LTCI. - [A Brief Introduction to Long Term Care Insurance](https://galtci.com/2019/05/20/a-brief-introduction-to-long-term-care-insurance/): You’ve heard about Long Term Care Insurance (LTCI), but do you really know what it is, not to mention if you need it? Here's a brief intro to Long Term Care Insurance to help you get started. - [Newsletter March 2019](https://galtci.com/2019/03/28/newsletter-march-2019/) - [Newsletter January 2019](https://galtci.com/2019/03/28/newsletter-january-2019/) - [Newsletter December 2018](https://galtci.com/2019/03/28/newsletter-december-2018/) - [Newsletter October 2018](https://galtci.com/2019/03/28/newsletter-october-2018/) - [Newsletter July – August 2018](https://galtci.com/2019/03/28/newsletter-july-august-2018/) - [Newsletter April 2018](https://galtci.com/2018/04/01/newsletter-april-2018/) ## Pages - [Why Buy LTCI?](https://galtci.com/why-buy-ltci/): People purchase Long Term Care Insurance for different reasons, but with over 35 years in the industry, one trait stands out: they are planners. - [Brian Gordon on WGN Radio](https://galtci.com/brian-gordon-on-wgn-radio/): Brian Gordon joins Jon Hansen with Your Money Matters to discuss long-term care insurance plans and when you should purchase one. Brian breaks down the different plans offered by Gordon Associates and explains which one may suit you best. - [Gordon Associates Timeline](https://galtci.com/financial-advisors/gordon-associates-timeline/): Gordon Associates and Long Term Care Insurance Timeline - [Is My Traditional Long Term Care Insurance Worth It?](https://galtci.com/is-my-traditional-long-term-care-insurance-worth-it/): This is one of the most common questions we get. On the one hand, Long Term Care Insurance is insurance. Insurance is there to help protect against unexpected costs, which you hope you never experience. Then again, modern medicine is helping us live longer but not always healthier. Maybe those unexpected costs aren’t always so unexpected.  - [Other Insurance Products](https://galtci.com/other-insurance-products/): Many of our Long Term Care Insurance (LTCI) clients have a need for additional insurance products to round out their overall financial plan. When we work with clients we take the same approach as we do with LTCI insurance - consultative. We represent our client first, help decide if the product is needed at all, and if it is, choose sensible coverage. - [Long Term Care Planning in 5 Minutes a Month!](https://galtci.com/long-term-care-planning-in-5-minutes-a-month/): JTNDJTIxLS0lMjBCZWdpbiUyMENvbnN0YW50JTIwQ29udGFjdCUyMElubGluZSUyMEZvcm0lMjBDb2RlJTIwLS0lM0UlMEElM0NkaXYlMjBjbGFzcyUzRCUyMmN0Y3QtaW5saW5lLWZvcm0lMjIlMjBkYXRhLWZvcm0taWQlM0QlMjI4NmZiMDk0Mi03M2Q0LTRkMWQtODA2NC0xMTYzYjg5ZjM2MTUlMjIlM0UlM0MlMkZkaXYlM0UlMEElM0MlMjEtLSUyMEVuZCUyMENvbnN0YW50JTIwQ29udGFjdCUyMElubGluZSUyMEZvcm0lMjBDb2RlJTIwLS0lM0U= - [Peter Florek, CLTC](https://galtci.com/financial-advisors/peter-florek-cltc/): << See other principals - [Brian I. Gordon, President](https://galtci.com/financial-advisors/brian-gordon/): << See other principals - [Murray A. Gordon, Founder](https://galtci.com/financial-advisors/murray-gordon/): << See other principals - [Frequently Asked Questions](https://galtci.com/frequently-asked-questions/): What is a traditional long-term care insurance policy? - [Long Term Care Insurance For Individuals in Deer Park IL](https://galtci.com/long-term-care-insurance-deer-park-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Lake Bluff IL](https://galtci.com/long-term-care-insurance-lake-bluff-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Oakbrook IL](https://galtci.com/long-term-care-insurance-for-individuals-in-oakbrook-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Hawthorn Woods IL](https://galtci.com/long-term-care-insurance-hawthorn-woods-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Hawthorn Woods IL](https://galtci.com/long-term-care-insurance-for-individuals-in-hawthorn-woods-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in North Barrington IL](https://galtci.com/long-term-care-insurance-for-individuals-in-north-barrington-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Glencoe IL](https://galtci.com/long-term-care-insurance-for-individuals-in-glencoe-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Burr Ridge IL](https://galtci.com/long-term-care-insurance-for-individuals-in-burr-ridge-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Kenilworth IL](https://galtci.com/long-term-care-insurance-kenilworth-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Hinsdale IL](https://galtci.com/long-term-care-insurance-hinsdale-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Wilmette IL](https://galtci.com/long-term-care-insurance-wilmette-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Winnetka IL](https://galtci.com/long-term-care-insurance-winnetka-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Lincolnshire IL](https://galtci.com/long-term-care-insurance-lincolnshire-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Long Grove IL](https://galtci.com/long-term-care-insurance-for-individuals-in-longgrove-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Lake Forest IL](https://galtci.com/long-term-care-insurance-lakeforest-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Barrington Hills IL](https://galtci.com/long-term-care-insurance-barringtonhills-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Long Term Care Insurance For Individuals in Barrington IL](https://galtci.com/long-term-care-insurance-barrington-il/): Long Term Care Insurance (LTCI) provides coverage for a person who has a chronic problem and needs help with at least 2 of 6 activities of daily living -  bathing, dressing, transferring in and out of a bed or chair, feeding (get food from plate to mouth or chewing or swallowing), toileting, and continence. LTCI also provides coverage for individuals with a cognitive impairment such as Alzheimer’s or Dementia. Health Insurance and Medicare will not pay for chronic care.  - [Terry Savage in Chicago Tribune](https://galtci.com/terry-savage-long-term-care-insurance/): Terry Savage does a great job in this Chicago Tribune article of explaining why Long Term Care Insurance is so important right now. - [LTC Resource Hub](https://galtci.com/ltc-resource-hub/): We work with a number of services and businesses that serve Seniors and families planning for, or dealing with, Long Term Care. Our LTC Resource Hub highlights the ones that we think provide excellent service and are great resources to their clients. - [COVID – 19 Resources and FAQs](https://galtci.com/covid-19-resources-and-faqs/): How do I contact Gordon Associates Long Term Care Planning if I have a question? - [How To Reach Us](https://galtci.com/how-to-reach-us-covid-19/): Our staff will be working remotely starting Friday, March 20th.  We will continue to monitor and reply to our emails and phone calls and appreciate your patience as we navigate working from home as a team. - [File A Claim](https://galtci.com/file-long-term-care-insurance-claim/): Because of the nature of long term care insurance (LTCI), decades may pass between the time a client’s LTCI policy is issued and the time he or she files a claim. However, once benefits are needed, chances are, they’re needed ASAP and unfortunately, filing a LTCI claim can be complicated. - [Webinars](https://galtci.com/long-term-care-insurance-webinars/): Attendees will earn 1 CE. For more information, contact us at 800-533-6242, or email Brian Gordon at brian@galtci.com or Peter Florek at peter@galtci.com - [NAPFA LTCI Exclusive](https://galtci.com/napfa-mutual-of-omaha/): Gordon Associates is thrilled to announce an exclusive LTCI discount with Mutual of Omaha for NAPFA members. Mutual of Omaha is the leading stand-alone LTCI carrier with an A+ rating (superior) by AM Best and a Gordon Associates preferred carrier. - [2019 Medicare Info Summary](https://galtci.com/2019-medicare-info-summary/): Do you need to know what Medicare does and doesn’t cover so you can help your client plan for long term care expenses? - [Testimonials](https://galtci.com/testimonials/): Please note - in December 2022 we changed our name to Gordon Associates from Murray A. Gordon & Associates (MAGA). Clients who use the term MAGA in their review are referring to our prior company name. - [Review Us](https://galtci.com/review-us/) - [Simplifying Long Term Care Insurance in Wayne](https://galtci.com/places-we-serve/illinois/wayne/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Wayne, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Tower Lakes](https://galtci.com/places-we-serve/illinois/tower-lakes/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Tower Lakes, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in South Barrington](https://galtci.com/places-we-serve/illinois/south-barrington/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve South Barrington, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Riverwoods](https://galtci.com/places-we-serve/illinois/riverwoods/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Riverwoods, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in River Forest](https://galtci.com/places-we-serve/illinois/river-forest/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve River Forest, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Port Barrington](https://galtci.com/places-we-serve/illinois/port-barrington/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Port Barrington, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in North Barrington](https://galtci.com/places-we-serve/illinois/north-barrington/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve North Barrington, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Lake Bluff](https://galtci.com/places-we-serve/illinois/lake-bluff/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Lake Bluff, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Kildeer](https://galtci.com/places-we-serve/illinois/kildeer/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Kildeer, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Inverness](https://galtci.com/places-we-serve/illinois/inverness/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Inverness, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Green Oaks](https://galtci.com/places-we-serve/illinois/green-oaks/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Green Oaks, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Golf](https://galtci.com/places-we-serve/illinois/golf/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Golf, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Glencoe](https://galtci.com/places-we-serve/illinois/glencoe/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Glencoe, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Deer Park](https://galtci.com/places-we-serve/illinois/deer-park/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Deer Park, IL and all 50 states. We’ve been doing it since 1975. - [Simplifying Long Term Care Insurance in Burr Ridge](https://galtci.com/places-we-serve/illinois/burr-ridge/): Our #1 goal is to help you understand planning for expenses related to long term care. We represent you, not the insurance companies. Long term care planning is all we do. We’re based in Riverwoods, IL and serve Burr Ridge, IL and all 50 states. We’ve been doing it since 1975. - [Illinois](https://galtci.com/places-we-serve/illinois/): Long-term care planning is important everywhere. Gordon Associates wants to be there to support you as you make your decisions about which plans and options to choose. - [Places we serve](https://galtci.com/places-we-serve/): Long-term care planning is important everywhere. Gordon Associates wants to be there to support you as you make your decisions about which plans and options to choose. - [Press](https://galtci.com/press/): March 2026, Repurposing Tax-Disadvantaged Assets into Tax-Free Long-Term Care Benefits - [Blog](https://galtci.com/blog/) - [Group Long Term Care Insurance Policies](https://galtci.com/group-long-term-care-insurance-policies/): More and more companies—and not just big corporations—include Long Term Care Insurance in their employee benefit plans. In studies, employees enthusiastically confirm that they want to be offered Long Term Care Insurance at work. If your organization prides itself on offering state-of-the-art benefits, Long Term Care Insurance should be part of your plan. - [Types of Long Term Care Insurance](https://galtci.com/types-of-long-term-care-insurance/): Gordon Associates offers both types of Long Term Care Insurance. They’re described briefly below - [Individual Long Term Care Insurance Policies](https://galtci.com/individual-policies/): LTCI is a smart, simple way to protect your assets and your family. Here are a few facts you may find helpful: - [Medicare & Medicaid](https://galtci.com/medicare-medicaid/): Many people assume that long term care is covered under Medicare and Medicaid. Unfortunately, long term care coverage under these government plans is very limited and carries stringent requirements. That’s why the government created so many incentives to encourage people to buy their own LTCI. - [Long Term Care Planning](https://galtci.com/ltc-planning/): Many people assume that long term care is covered by their health insurance, government healthcare program, Medicare or Medicare Supplement plan. Unfortunately, this is not the case. Medicaid does cover nursing home care, but only after you “spend down” your assets to low income levels. Until then, you are required to pay out of pocket for care. That’s why, for many, LTCI is the easiest, most cost-effective method of long term care planning. Learn more about Medicare and Medicaid. - [Glossary](https://galtci.com/glossary/): Most LTCI policies pay benefits based on the inability to perform at least two out of six activities necessary for independent living.  The list may include dressing, bathing, feeding, toileting, transferring and continence. - [Long Term Care Insurance Facts & Stats](https://galtci.com/ltci-facts-stats/): Gordon Associates’s mission is to bring our clients current, accurate information. Here are a few long term care insurance facts and stats you should know. - [Financial Advisors](https://galtci.com/financial-advisors/): Gordon Associates Long Term Care Planning was established in 1975. We are family owned, focused exclusively on Long Term Care Planning, and are licensed nationally. - [About us](https://galtci.com/financial-advisors/about-us/): Gordon Associates Long Term Care Planning was founded in 1975.  We are a family run business, which includes Murray, his son Brian Gordon and his son-in law, Peter Florek.  Gordon Associates specializes in Long Term Care Planning, and we are considered experts in our field.  Working only with top-rated insurance carriers, Gordon Associates tailors Long Term Care solutions to each person’s individual needs. We are licensed nationally. - [Request a Quote](https://galtci.com/request-a-quote/): To receive a customized long term care insurance quote, fill out the form below and click “Submit” at the end. We ask detailed health questions in order to provide you with the most accurate quotes that follow carrier guidelines. - [Contact us](https://galtci.com/contact-us/): We would love to hear from you. If you just have a question, give us a call or fill out the form. - [Home](https://galtci.com/): Nobody can predict if they’re going to have a long term care event. As we get older and live longer, the chance of having one grows. A long term care event might happen to you, or might not. It might be expensive, or it might not be. The best way to deal with the uncertainty is to plan for it. That’s where long term care planning comes in. Long term care planning plays an important role in securing the financial plan you’re working hard to build for you and your family. With a plan in place you’re better able to preserve your assets, standard of living and independence. A good plan allows family members to make important decisions for the financial, physical, and emotional well-being of loved ones. But…long term care planning is complicated. With many insurance companies, policies, and options to consider, navigating long term care planning can be a very confusing process.At Gordon Associates Long Term Care Planning our mission is to help you figure out what’s best for you so you can make an informed choice. All we do is long term care planning. We’re independent – we represent you, not the insurance companies. We’ve been doing it since 1975. In fact, Gordon Associates Long Term Care Planning’s founder, Murray Gordon, helped insurance companies introduce a number of consumer-friendly features for long term care insurance policies that are still included today. - [Privacy Policy](https://galtci.com/privacy-policy/): For each visitor to our Web page, our Web server recognizes no information regarding the domain or email address. ## Timeline Stories - [GALTCI celebrates 50th anniversary](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/galtci-celebrates-50th-anniversary/): Gordon Associates celebrated its 50th anniversary, marking five decades of dedication to providing exceptional long term care solutions and services. - [New York Long Term Care Act](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/new-york-long-term-care-act/): A law in New York aimed at establishing a program to provide LTC services for residents of New York was introduced and currently sits in the senate. The program is designed to help people in need of long term care without depleting their income or assets. - [The State of Washington Cares Fund LTCI Program Is Introduced](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/the-state-of-washington-cares-fund-ltci-program-is-introduced/): A new publicly funded insurance program that raised public awareness on the importance for planning for a LTC event. The care fund also showed people the need to plan for their own future rather than relying on government programs that will fall short in the end. - [BG presented as a 2020 OneAmerica Independent Leaders Conference](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/bg-presented-as-a-2020-oneamerica-independent-leaders-conference/): Brian Gordon was invited to present at the OneAmerica Independent Leaders Conference, sharing his expertise on long term care planning and leadership strategies. His insights contributed to the conference’s focus on innovative solutions for the evolving needs of the aging population. - [COVID-19 Pandemic Spreads](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/covid-19-pandemic-spreads/): The COVID-19 pandemic significantly impacted long term care, highlighting the vulnerabilities in the industry and increasing demand for more robust, flexible care solutions for older adults. It accelerated the need for innovative approaches to care, including virtual services and enhanced safety protocols. - [NAPFA Fall Conference](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/napfa-fall-conference/): Brian Gordon was invited to partner with and present at the NAPFA Fall Conference here in Chicago. - [Expansion of Services – Policy and Claim Consulting](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/expansion-of-services-policy-and-claim-consulting/): Gordon Associates expanded its services by offering policy and claim consulting, allowing GALTC experts to become agents of record for long term care policyholders that did not have sufficient support from their original agents. This strategic move enhanced our business and provided additional policyholders comprehensive support, especially during the claim process. - [Entrepreneur of the Year Award](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/entrepreneur-of-the-year-award/): Murray Gordon was honored with the Entrepreneur of the Year award by the Chicago Tribune, recognizing his exceptional leadership and innovation in the long term care industry. His vision and commitment to improving aging services set a new standard for excellence in the field. - [A Generation Shift](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/a-generation-shift/): As baby boomers began turning 65, a cultural shift emerged, sparking increased awareness around aging and long term care planning among younger generations. - [Driving Innovation in Aging Services Through Leadership and Partnership](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/driving-innovation-in-aging-services-through-leadership-and-partnership/): Murray Gordon joined the board of AgeOptions, a leading organization dedicated to serving older adults and caregivers in the Chicagoland area. The following year, Gordon Associates introduced group long term care insurance to AgeOptions, providing valuable resources to support their mission. Murray remains an active board member, continuing to champion innovative solutions for aging populations. - [Murray Gordon Partners with ACP to Enhance long term Care Solutions in Financial Planning](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/murray-gordon-partners-with-acp-to-enhance-long-term-care-solutions-in-financial-planning/): GALTCI partnered with the Alliance of Comprehensive Planners (ACP), one of the largest networks of fee only financial planners in the U.S. This collaboration allowed him to provide trusted long term care solutions to clients seeking holistic financial planning and aging strategies. - [Murray Gordon recognized as a Delegate to the 2005 White House Conference on Aging](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/murray-gordon-recognized-as-a-delegate-to-the-2005-white-house-conference-on-aging/): Murray Gordon was honored to serve as a delegate to the 2005 White House Conference on Aging, a prestigious event shaping the future of aging policies in the U.S. His involvement highlighted his commitment to advocating for better long term care solutions and improving the lives of elder adults nationwide. - [Deficit Reduction Act and Introduction of Partnership Policies](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/deficit-reduction-act-and-introduction-of-partnership-policies/): The Deficit Reduction Act of 2005 introduced new guidelines for long term care insurance, including the creation of Partnership Policies. These policies allowed individuals to protect more of their assets while qualifying for Medicaid benefits, promoting the use of LTCI as a strategy for asset preservation. The legislation helped drive the growth of partnership policies, further solidifying the role of LTCI in retirement planning. - [Started working with Garrett Planning Network (GPN)](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/started-working-with-garrett-planning-network-gpn/) - [Started working with the National Association of Personal Financial Advisors (NAPFA)](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/started-working-with-the-national-association-of-personal-financial-advisors-napfa/) - [GALTCI Offers Certified Financial Planner (CFP) Credit & Expands Financial Advisor Partnerships](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/galtci-offers-certified-financial-planner-cfp-credit-expands-financial-advisor-partnerships/): GALTCI began offering CFP credit for financial advisors, enhancing the value of our educational programs. We also joined NAPFA and attended their RENO conference, where we connected with numerous financial advisors eager to learn about long term care planning. This initiative opened the door for long-lasting partnerships with many financial advisors, solidifying our role as a trusted resource in LTC planning. - [Health Insurance Portability and Accountability Act of 1996 (HIPAA)](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/health-insurance-portability-and-accountability-act-of-1996-hipaa/): The Health Insurance Portability and Accountability Act of 1996 (HIPAA) introduced tax qualified long term care insurance, offering financial relief and incentives for individuals and employers to invest in long term care coverage. - [Peter Florek joins Gordon Associates](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/peter-florek-joins-gordon-associates/): As a veteran in the insurance industry, Peter Florek joined GALTCI in 1996. He specializes in assessment, development and implementation of long term care plans for individuals, families and businesses with fewer than 500 employees. He also teaches continuing education classes and provides long term care support services for insurance and financial professionals across the country. - [GALTCI Moves into a New Deerfield Office Space](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/galtci-moves-into-a-new-deerfield-office-space/): GALTCI relocates to a new, expanded office space in Deerfield to accommodate business growth and support increased operations. - [Long Term Care Insurance (LTCI) becomes popular as baby boomers start planning for retirement](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/long-term-care-insurance-ltci-becomes-popular-as-baby-boomers-start-planning-for-retirement/): Throughout the 1990s, long term care insurance (LTCI) gained popularity as the Baby Boomer generation began to age. With an increasing number of individuals approaching retirement, awareness of the need for LTC coverage grew, fueling demand for policies that could protect assets and provide care options. This demographic shift played a pivotal role in the expansion and mainstream acceptance of LTCI. During this time, inflation protection was introduced to combat the rising costs of LTC services. - [Brian Gordon Recognized by CNA as a First-Time Qualifier for Success in Long Term Care and Awarded for Outstanding Achievement](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/brian-gordon-recognized-by-cna-as-a-first-time-qualifier-for-success-in-long-term-care-and-awarded-for-outstanding-achievement/): Brian Gordon was recognized by CNA as a First-Time Qualifier for Success in long term Care and earned their Outstanding Achievement Award. It’s a testament to his passion for delivering top-notch service and innovative care solutions. - [Our Focus on Education](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/our-focus-on-education/): GALTCI partnered with the Community Bankers Association of Illinois and retirement communities to expand industry presence through statewide educational programs for banks and their customers. Additionally, provided long term care solutions through financial planning divisions. - [Brian Gordon Joins Gordon Associates and Long Term Care Growth](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/brian-gordon-joins-gordon-associates-and-long-term-care-growth/): In 1990, Brian Gordon joined Gordon Associates, bringing new energy and expertise to the company. This period also marked significant growth in the long term care insurance (LTCI) industry, fueled by heightened awareness of the need for coverage, the introduction of more diverse policy options—including home care and assisted living—and the implementation of state-level tax credits, which made LTCI more attractive and accessible to a broader range of consumers. - [Introducing the First Affinity Group Discount](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/introducing-the-first-affinity-group-discount/): In 1989, Gordon Associates partnered with CNA Insurance to offer the first affinity group discount for long term care insurance, providing policyholders with reduced rates through group enrollment. This innovative approach made LTC insurance more accessible and affordable for a wider range of individuals. - [Nursing Home Reform Act](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/nursing-home-reform-act/): The Nursing Home Reform Act of 1987 established new quality of care standards for Medicare and Medicaid-certified nursing homes, leading to increased costs for long term care (LTC) providers and higher claim payouts. These changes helped build greater public trust in both LTC insurance and nursing homes. Additionally, 1987 marked the year John Hancock sold its first long term care insurance policy, further expanding the industry's reach. - [GALTCI Starts offering CE for Insurance Agents](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/galtci-starts-offering-ce-for-insurance-agents/): GALTCI began offering Continuing Education (CE) programs for insurance agents, emphasizing the importance of long term care insurance in protecting assets and ensuring quality care. These programs highlighted how LTC coverage addresses gaps left by other insurance and medical plans. GALTCI also worked closely with clients to educate them on critical issues related to long term care planning. - [Pioneering Waiver of Premium in LTC Insurance](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/pioneering-waiver-of-premium-in-ltc-insurance/): Murray Gordon worked closely with long term care insurance companies to introduce the Waiver of Premium (WOP) feature, which had previously been limited to disability income policies. Gordon Associates collaborated with insurance providers and actuaries to design plans that offered additional financial protection for policyholders facing a long term care event. Gordon Associates Long Term Care Planning’s founder, Murray Gordon has helped insurance companies introduce a number of consumer-friendly features for long term care insurance policies that are still included today. - [Expansion of Long Term Care](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/expansion-of-long-term-care/): During the 1980s, long term care insurance evolved to include coverage for home care, offering individuals greater flexibility and independence. While this expansion was a significant shift in the industry, it did not encompass all the coverage options available today, as the market continued to evolve to meet diverse needs. - [Expanding our Roots](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/expanding-our-roots/): Gordon Associates expands from its humble beginnings in Murray’s Des Plaines home to a dedicated office space in Park Ridge. - [Launching Educational Programs](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/launching-educational-programs/): Just one year after its founding, Gordon Associates began offering educational programs to clients and the local community. These programs focused on raising awareness about long term care planning and its impact on retirement and asset protection. Education quickly became a cornerstone of our mission, setting the stage for decades of trusted service. - [Gordon Associates Long Term Care Planning founded in 1975](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/gordon-associates-long-term-care-planning-founded-in-1975/): In 1975, Murray Gordon founded Gordon Associates (GALTCI) from his home in Des Plaines, Illinois, just one year after the first LTCI policy was introduced. As a family-owned business, Gordon Associates has remained dedicated to education, supporting financial advisors, and serving as a trusted resource for long term care solutions. - [First Long Term Care Policy Introduced](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/first-long-term-care-policy-introduced/): The first long term care insurance policy was sold by General Electric in 1974. While this concept was largely unfamiliar at the time, Murray Gordon recognized its potential and left his position in sales to dedicate his career to advancing LTCI, becoming a trailblazer in the industry. - [Establishment of Social Security and Medicare/Medicaid Programs](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/establishment-of-social-security-and-medicare-medicaid-programs/): "With the expansion of the Social Security Act, Medicare and Medicaid positioned federal and state governments as the primary funders of long term care. These programs led to a significant increase in nursing home usage and government spending, while also driving the growth of home care and post-hospital care services. - [The Introduction of the Social Security Act](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/the-introduction-of-the-social-security-act/): A social insurance program was introduced to provide continuous income for retired workers aged 65 and older, playing a pivotal role in the rise of the private nursing home industry and aimed to reduce reliance among the aging population. - [The Early Days of Long Term Care](https://galtci.com/financial-advisors/about-us/gordon-associates-timeline/the-early-days-of-long-term-care/): In the early days, long term care was not widely available, as people generally didn’t live as long as they do today. The first signs of organized care emerged through women’s and church groups, which established special homes to support elderly individuals of the same religious or ethnic backgrounds. These efforts marked the beginning of a community-centered approach to elder care.