Stephen D. Forman of Long Term Care Associates, Inc. has been awarded a professional degree in the field of long-term care, Certified in Long-Term Care (CLTC). The program is independent of the insurance industry and focuses on providing financial service professionals the tools needed to meet their client's long-term care needs.

"The field of long-term care is complex. It intersects with other professions such as financial planning, tax law, home care, government funding and elder law. My ability to serve the community depends on understanding what resources, such as housing and services, clients will need as they age and how they will be paid for," Mr. Forman explained.

"I have had far too many families ask for my advice on what they can do after a loved one has been diagnosed with Alzheimer's disease, dementia or some other chronic illness. The fact is there is little that can be done at this point and now these families are faced with years of physical stress and heartache. This is compounded by the reality that paying for care can easily devastate their family's financial viability," Mr. Forman stated.

"It is my responsibility to help people understand the emotional, physical and financial consequences associated with providing or paying for care over an extended period of time. It is essential they have this information so they can take action to protect those they love while they have options. I am committed to helping my clients create an appropriate plan to meet their specific needs", said Forman.

With roots dating back to 1974, Long Term Care Associates, Inc. (LTCA) has now entered its 5th decade focused exclusively in the LTC insurance marketplace. Headquarted in Bellevue, Wash., the company is proud to serve over 5 Million members of sponsoring organizations, and count the claim payments to its clientele in the Tens of Millions of dollars. Please follow our "Education Through Social Media" campaign on any of the following properties: www.facebook.com/ltcassociates, www.youtube.com/ltcassociates, or www.twitter.com/ltcassociates.