About Long-Term Care Resources

Long-Term Care Resources (LTCR) is a national long-term care insurance agency and distribution company that helps individuals, families, affinity organizations, and financial professionals evaluate and access long-term care funding solutions.

Founded in 1998, LTCR has focused on one market for more than 28 years: long-term care. We combine long-term care insurance expertise, access to multiple insurance carriers and product types, national distribution, and group programs designed for alumni associations, professional organizations, financial institutions, employers, and other affinity groups.

Over that time, LTCR has helped more than 800,000 people through programs serving 500+ affinity groups

LTCR helps consumers compare traditional long-term care insurance from leading insurance companies. Our specialists help clients evaluate benefits, costs, underwriting requirements, inflation protection, and other plan features to find coverage appropriate for their needs and budget.

LTCR provides access to life insurance products designed to provide long-term care benefits as well as life insurance or other value if long-term care is never needed. These products can provide guaranteed premiums and benefits and offer an alternative for consumers who do not want traditional stand-alone LTC insurance.

For consumers who have assets available to reposition for future long-term care expenses, LTCR evaluates asset-based life and annuity solutions that can provide additional leverage for long-term care while preserving value if care is never needed.

LTCR offers short-term care solutions that can provide an alternative for consumers seeking a more affordable benefit period or who may not qualify for traditional or hybrid long-term care coverage.

LTCR develops long-term care programs for alumni associations, professional associations, financial institutions, employers, and other membership organizations. Programs can include group discounts, dedicated member education, custom digital resources, insurance planning, and ongoing member support

Through our LTC Funding Research Center and licensed specialists, consumers can research the cost of care, compare funding strategies, understand different types of long-term care insurance, and evaluate insurance versus self-funding.

LTCR has specialized in long-term care planning since 1998. Long-term care insurance is not one product or one carrier; our focus allows us to help consumers navigate an increasingly diverse market of traditional LTC, hybrid life/LTC, annuity-based and short-term care solutions.

LTCR is an independent agency rather than a single insurance carrier. This allows our specialists to compare multiple carriers, product designs and underwriting approaches rather than starting with one predetermined insurance solution

There is no single long-term care product that works for everyone. LTCR evaluates multiple product categories and carriers to help identify options based on a client’s age, health, financial objectives, desired benefits and budget.

LTCR serves 500+ alumni, professional and other affinity groups. Our programs combine member education, insurance solutions, group advantages and ongoing support.

Our relationship is designed to continue beyond the insurance transaction. Through LTCRplus, eligible clients and members can access resources designed to help their families plan for care, navigate care providers, understand insurance benefits and obtain assistance with long-term care claims.

• Individuals and families planning for future long-term care expenses
• Consumers comparing insurance with self-funding
• Alumni associations and their members
• Professional and trade associations
• Financial institutions
• Employers and employee benefit programs
• Insurance and financial professionals
• Individuals seeking traditional LTC, hybrid LTC, asset-based or short-term care solutions

LTCR was founded in 1998 with a specialized focus on helping consumers and affinity organizations address the financial risks associated with long-term care.

Today, LTCR combines an experienced home-office team with licensed long-term care specialists serving consumers throughout the United States. The company is led by CEO Rick Leonard and is part of LTC Global. Our team includes specialists in long-term care insurance, hybrid products, underwriting, case management, affinity marketing, policy service, claims support and long-term care navigation.

We begin by understanding your age, health, financial objectives, family situation and how much long-term care risk you want to retain versus insure.

Our specialists evaluate appropriate solutions from multiple insurance carriers and product categories rather than limiting the analysis to a single product.

We help you compare benefits, premiums, guarantees, inflation options, underwriting and the potential long-term value of different strategies.

A licensed specialist assists with the application and underwriting process and helps you put the selected coverage in place.

LTCR and LTCRplus provide ongoing support and resources designed to help clients and families understand their coverage and navigate long-term care needs.

LTCR helps individuals and organizations evaluate long-term care funding and insurance strategies. We compare multiple insurance carriers and product types, including traditional LTC insurance, hybrid life/LTC plans, asset-based solutions and short-term care insurance.

No. LTCR is an independent insurance agency and distributor. We work with multiple insurance companies so consumers can compare different products, underwriting requirements and pricing.

No. Today’s long-term care market includes traditional LTC insurance, hybrid life/LTC insurance, annuity-based LTC solutions, asset-based products and short-term care insurance.

Yes. LTCR works with multiple insurance carriers and can compare appropriate products based on factors including age, health, state, desired benefits and financial objectives.

LTCRplus is LTCR’s broader long-term care benefit program. It combines long-term care funding and insurance resources with services designed to help members and their families navigate care, understand benefits and obtain assistance when long-term care is needed.

Yes. LTCR serves 500+ alumni, professional and other affinity groups with long-term care programs and resources.

LTCR’s goal is to provide service beyond the initial insurance purchase. Clients can receive ongoing policy support, and eligible clients and members can access LTCRplus resources designed to assist with long-term care planning, navigation and claims.