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I have been specializing in Long Term Care Insurance planning since 1997 and I often get asked this question. Take a look at my video as I talk about:

  • How my Long Term Care Insurance has had a positive impact on my family.

  • What are some of the benefits of Long Term Care Insurance.


Let me help you take the emphasis off of being dependent and take action to remain independent today!

Click the button below to contact me. I am happy to help.





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The Best way to make sure your healthcare wishes are honored is to have the Five Wishes document.

The Five Wishes document is a Legal Living Will that can easily guide you through documenting your care and comfort choices. It let's you choose the person you want to make healthcare decisions for you if you are not able to make them for yourself.


There is a website dedicated to explaining the Five Wishes. You can go to this link to learn more.



I am available to come speak to you and your family members Or if you work with an organization or a religious house of faith I would be happy to come speak about the FIVE Wishes. I can speak in person or virtually about the Five Wishes. If you are interested in having me speak please click the button below. I look forward to helping your group age independently with dignity.





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Record Keeping Questions


Some people are really organized, while others keep trying every year to be organized.


My book, Key Solutions for Caregivers, was designed to help adult children record important information about their parents so they are ready if their parents need medical attention and/or a long term stay in a nursing home.


Many people have asked for me to develop an app. I am not against apps but before I research and develop this app, I am wondering how you stay organized and if an app would be useful.


My questions are:

  • What is your current system for recording medical and financial information for yourself and/or parents?

  • What system do you use to keep up with your parent’s doctor appointments and/or hospital stays?

  • Do you have a current list of their medications?

  • What communication skills do you use to obtain private medical/financial information for your parents?

  • Which do your parents prefer? Paper records? Computer technology?


  • How will you share information with your children and when?

  • What do you find most confusing about Medicare and/or Medicaid?

  • What do you find most confusing about who pays for long term care? My book, Key Solutions for Caregivers, provides a place to record important personal information which needs to be available for hospitalizations and financial assistance programs. It also includes specific information regarding care setting choices, tips for the caregiver in various situations and information about Medicare, Medicaid and long term care insurance. Start planning now so your family is prepared. Get your copy of Key Solutions for Caregivers today!

Guiding Your Enthusiasm for Independence Lorraine Spiotta Author of Key Solutions for Caregivers www.LorraineSpiotta.com (732) 651-1495 keysolutionsfor@gmail.com

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