Suzanne Scheer, J.D., CLTC

06/18/2026

In Part 1 of my recent blogpost, we covered the basics of long-term care insurance. What it is, how it works, and why it matters. Now comes the question I hear most often: Is it right for me, and when should I start?

This week, in Part 2, we explore why your health, age, and financial picture all play an important role in the answer. If you're in your 40s or 50s, now is a great time to start learning. The best time to explore your options is before you need them.

https://www.sgsinsurance.net/post/long-term-care-insurance-101-part-two

06/17/2026

If your parent has a long-term care insurance policy, don't wait until a crisis occurs to understand how it works.

Join me for my next webinar as I walk through the basics of long-term care insurance, explain the steps families can take now, and share practical ways to make the claims process much easier should care ever be needed.

A little preparation today can save a tremendous amount of stress later.

If you can't attend live, please register, and I'll send you the recording afterward so you can watch at your convenience.

June 30 | 12p EDT | Free | Online

https://www.eventbrite.com/e/help-my-parent-has-an-ltci-policy-and-i-dont-understand-it-tickets-1991602306110?aff=oddtdtcreator

06/16/2026

Loved talking about my favorite topic with the amazing Shane O'Koon Shaps of Big Voice Social!!

06/16/2026

When should you start thinking about long-term care insurance?

Watch my conversation with Shane Shaps on The Social Dialogue Podcast as we discuss why timing matters when it comes to long-term care planning. Catch the full conversation wherever you get your podcasts.

06/15/2026

Thank you, Shane, for the opportunity to have this conversation.

Long-term care insurance became much more than a profession for me after spending years helping care for my parents while raising my young son. That experience showed me firsthand how much easier difficult seasons can be when a family has a plan in place.

One of my goals is to help people understand that long-term care planning isn't really about insurance. It's about protecting choices, preserving dignity, and easing the burden on the people we love.

I hope this conversation encourages more families to start talking about a topic that is often avoided but can make an enormous difference when life doesn't go according to plan.

If you're a Gen Xer, caring for aging parents, or simply wondering what your future plan should look like, I hope you'll give it a listen.

https://podcasts.apple.com/us/podcast/the-social-dialogue/id1842717026?i=1000772765482

In this installment of Great Big Client Conversations, Shane sits down with Suzanne Scheer, family law attorney turned long-term care insurance specialist whose passion was forged by her own journey caring for her aging parents while raising a toddler.

Suzanne pulls back the curtain on one of the most overlooked pieces of financial planning for Gen X: long-term care. She explains why Medicare and health insurance won’t cover the everyday “activities of daily living” so many of us will eventually need help with, why your 40s and early 50s are the prime window to plan, and how newer hybrid policies have removed the old “use it or lose it” gamble. Most importantly, she reframes the whole conversation—this isn’t a gift you give yourself, it’s a gift you give your children.
Whether you’re caring for aging parents now or thinking ahead to your own future, this episode will change how you think about a topic most people avoid.

In this episode:
• Suzanne’s caregiving journey and why it changed her career
• What long-term care actually covers (and why Medicare doesn’t)
• The real “prime age” to start planning
• How hybrid/asset-based policies work differently than old-school plans
• Why this is a gift for your family, not just yourself
Connect with Suzanne on LinkedIn (Suzanne Scheer, JD CLTC) or at sgsinsurance.net.

🎧 Listen now and share it with a fellow Gen Xer who needs to hear this.

Connect with Suzanne here:
Suzanne Scheer, J.D., CLTC

06/15/2026

One of the reasons long-term care insurance is so often overlooked is because many people are making decisions based on information that simply isn't accurate.
I hear these misconceptions all the time:

"Medicare will cover it."
In most cases, it won't go beyond limited short-term rehabilitation.

"Long-term care means a nursing home."
Today, most care is provided at home.

"I'm healthy. I won't need it."
Many long-term care claims result from unexpected accidents, illnesses, or cognitive impairment.

"I'll just pay for it myself."
Even substantial assets can be depleted surprisingly quickly by the cost of extended care.

Understanding the facts doesn't mean you need to buy a policy. It simply helps you make informed decisions about your future.

If you've heard any of these misconceptions, you're not alone. I can help clear up the confusion and answer your questions so you can make informed decisions with confidence.

https://www.sgsinsurance.net

06/12/2026

If your parent has a long-term care insurance policy, don't wait until a crisis occurs to understand how it works.

Join me for my next webinar as I walk through the basics of long-term care insurance, explain the steps families can take now, and share practical ways to make the claims process much easier should care ever be needed.

A little preparation today can save a tremendous amount of stress later.

If you can't attend live, please register and I'll send you the recording afterward so you can watch at your convenience.

June 30 | 12p EDT | Free | Online

https://www.eventbrite.com/e/help-my-parent-has-an-ltci-policy-and-i-dont-understand-it-tickets-1991602306110?aff=oddtdtcreator

06/11/2026

Our next Business Minds Book Club is just around the corner, and I'm looking forward to a great conversation about Brewing Up a Business.

This month's discussion will be led by Jill Consor Beck, and as always, it's a wonderful opportunity to connect with fellow women business owners, entrepreneurs, and founders.

You do not need to read the book to join us. Come for the conversation, the networking, and the insights.

The Zoom link will be sent prior to the event. I hope you'll join us!

https://www.eventbrite.com/e/business-minds-book-club-hosted-by-jillian-bernstein-and-suzanne-scheer-tickets-1990058572762?aff=oddtdtcreator

06/11/2026

One of the questions I hear often is:
"If one spouse is declined for long-term care insurance, should the other spouse still apply?"

My answer is almost always yes. In fact, it may be even more important.

When one spouse is no longer eligible for coverage, it can be a reminder that health can change unexpectedly and that opportunities to plan are not always available forever.

If one spouse eventually needs care, the financial and caregiving responsibilities often fall on the other spouse. Having long-term care coverage for at least one member of the couple can help protect savings, provide access to funds for care, and ease some of the emotional and financial burden on the healthy spouse.

I know a denial can feel discouraging. But it should not automatically end the conversation.

Sometimes it is actually a signal that the spouse who is still insurable should take a closer look at their options while they can.

If you find yourself in this situation, I'd be happy to talk through it with you. Every family's circumstances are different, and there may be more options available than you realize.

06/10/2026

One of the most common questions I hear is, “Once I purchase a long-term care policy, what happens next?”.

The good news is that nothing has to happen right away.

Your policy simply becomes part of your overall financial plan, there for you if and when you need it. Think of it as creating a dedicated source of funds that can help cover the cost of care in the future.

If an accident, illness, or cognitive impairment ever makes it difficult to safely perform everyday activities such as bathing, dressing, eating, or getting in and out of bed, your policy may be able to provide benefits to help pay for care.

The most important thing is understanding your coverage before you need it. That's why I encourage my clients to review their policies periodically and ask questions along the way.

Having a policy isn't just about paying for care. It's about knowing you have a plan in place, protecting your choices, and helping ease the burden on the people you love.