Your Health Your Decision · Long Term Care Insurance

This is a heart wrencher.

Last week Pat was in San Diego and a gentleman he met told him the story of how his mother died. As a family the didn’t have the resources for in-home health care and she was placed three an a half hours away in a state facility.

To even be placed in the state facility first all her assets had to be spent down to almost nothing. She then was moved into the long term care facility and unfortunately, the facility came under siege from COVID.

12 people were infected and 9 passed away including this gentleman’s mother. Hindsight is 20/20 but there were things they could have put in place had they just known about them.

Today in the conversation Pat and Kyle get into what Long Term Care Insurance is, what it isn’t, and how it could have possibly saved this woman’s life. But at a minimum empowered the family to make decisions about her care other than defaulting to the state.

We hope you enjoy the conversation and as always, Live Long and Profit.

P.S. If you have questions about anything we talked about or just want to see if we can help you with your retirement plans shoot us an email at

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