Business Details
Your Trusted Partner for LTC Insurance Solutions
Karp Loshak LTC Insurance Solutions has been a trusted leader in long-term care planning for over 15 years. Our consultative, educational approach empowers clients to make confident decisions while navigating the complexities of LTC insurance. As independent brokers affiliated with all leading carriers, we provide transparent, comprehensive analysis to identify optimal solutions tailored to individual needs. Our team of CLTC-certified experts specializes in stand-alone plans, hybrid life/LTC policies, state partnership programs, and employer-sponsored solutions.Recognized by national media and industry organizations, we combine deep expertise with personalized service to protect clients' financial futures. With a focus on wealth preservation and family well-being, we guide clients from initial consultation to policy implementation, ensuring lasting peace of mind.
Services
Long Term Care Insurance
Hybrid Life/LTC Insurance
State Partnership Plans
Employer-Sponsored LTC Plans
Self-Funding Alternatives
Tax-Advantaged Planning
Group LTC Solutions
Policy Analysis
Wealth Protection Strategies
Insurance Carrier Comparison
Highlights and features
- We offer over 15 years of experience in Long Term Care Insurance planning
- Our team is certified by the CLTC Board of Standards, Inc.
- We represent all leading LTC insurance carriers nationwide
- Our consultative approach prioritizes client education and transparency
- Recognized by national media and industry organizations for excellence
Associations and certifications
- Certified in Long Term Care (CLTC)
- State Partnership Certified
What people say
Knowledgeable team
Thorough analysis
Professional service
Excellent presenters
Trusted resource
Services
Long Term Care Insurance
Long Term Care Insurance provides tax-free income to cover custodial and skilled care costs. This protects retirement assets by paying for home health care, assisted living, nursing homes, and adult daycare. Our policies include inflation protection and flexible benefit periods to match evolving needs while preserving family wealth.
Hybrid Life/LTC Insurance
Hybrid policies combine life insurance with long-term care benefits. These asset-based solutions offer guaranteed death benefits while providing tax-free access to care funds. Ideal for estate planning, they protect principal while addressing both longevity and mortality risks through customizable riders and benefit structures.
State Partnership Plans
State Partnership Plans offer Medicaid asset protection while providing comprehensive LTC coverage. These federally-approved policies allow policyholders to retain assets when qualifying for Medicaid after policy benefits are exhausted. We help clients navigate state-specific requirements to maximize both LTC benefits and asset preservation.
Employer-Sponsored LTC
Employer-sponsored LTC programs provide tax-advantaged coverage for employees. These customizable plans offer payroll deductions, simplified underwriting, and potential employer contributions. We assist businesses in implementing cost-effective solutions that enhance benefits packages while addressing workforce longevity needs.
Policy Analysis Service
Our comprehensive policy analysis evaluates existing LTC coverage against current needs. We assess benefit amounts, inflation protection, elimination periods, and care settings to identify gaps. This service includes carrier comparisons and recommendations for optimizing coverage while maintaining affordability.
People
Natalie Karp
Co-Founder
MBA holder and CLTC-certified specialist with 15+ years in LTC insurance. Goldman Sachs 10,000 Small Business honoree and nationally recognized expert in LTC planning strategies.
Rona Loshak
Co-Founder
MBA holder and CLTC-certified specialist with extensive LTC industry experience. Recipient of professional achievers awards and recognized for educational contributions to LTC planning.
Questions
What does long-term care insurance cover?
LTC insurance covers custodial care (bathing, dressing) and skilled care (therapy, nursing) in home, assisted living, or facility settings. It pays for services not covered by Medicare or health insurance.
Why is LTC insurance important for retirement planning?
LTC insurance protects retirement assets from being depleted by care costs, which average $75,000-$100,000 annually. It preserves cash flow and maintains family financial security.
Can I get LTC coverage with health issues?
Yes, we specialize in placing clients with stabilized conditions like resolved cancer or heart disease. Options include graded benefit policies for those with more complex health histories.
How do hybrid LTC policies work?
Hybrid policies combine life insurance with LTC benefits. If care isn't needed, beneficiaries receive the death benefit. These policies offer guaranteed protection with tax-advantaged access to care funds.
What are State Partnership Plans?
These federally-approved plans allow Medicaid eligibility while protecting assets equal to policy benefits received. They provide comprehensive LTC coverage with asset preservation benefits for qualifying individuals.
How do I start LTC planning?
Contact us for a free consultation to review your financial situation, family history, and care preferences. We'll analyze options and recommend customized solutions matching your needs and budget.
