• 13 minutes

Long-Term Care Insurance


Can your client afford long-term care insurance?

Common questions that come up from clients regarding long-term care insurance often include what should they buy and how much they should buy. And the question that should really be asked is if they can afford it? When looking at long-term care insurance it is important to look for an inflation adjustment in the policy which is necessary to make the long-term care insurance policy effective. Usually people want to aim for the shortest elimination period, which is the shortest amount of time that your client would need to be in a nursing home before the insurance would start to pay. However, the shorter the amount of time, the higher the cost will be. Each client needs to weigh their options carefully before purchasing long-term care insurance so it is worth it in the end. 

Runtime: 12 minutes



Martha C. Brown

Martha C. Brown

Mitchell, Brown & Associates, LLC

  • Attorney at the law firm of Martha C. Brown & Associates, LLC in St. Louis, Missouri, practicing in the field of elder law for more than 30 years
  • Practice emphasizes all aspects of elder law, including estate planning, long term care planning, Medicaid (MO HealthNet) Planning, Medicare, incapacitation issues, end of life decision making, guardianship/conservatorship estates, probate, special needs planning, and veterans benefits
  • Certified elder law attorney, as certified by the National Elder Law Foundation
  • Certified as a mediator in the areas of adult guardianship and eldercare from Zena D. Zumeta, J.D., a nationally known expert in the area of elder mediation
  • Recipient of many designations
  • Frequent speaker and has written numerous books and publications
  • Can be contacted at 314-962-0186 or

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