Long-Term Care Insurance Planning for Families

Suzanne Scheer’s passion for helping others grew from deeply personal experiences. After supporting her late parents during their illnesses, Suzanne witnessed firsthand how preparation changes everything. Her father had long-term care insurance, while her mother did not — and Suzanne shares how that difference significantly impacted the level of care, financial planning, and emotional stress for the family.

During this meaningful discussion, Suzanne explains when people should begin thinking about long-term care insurance, often as early as their mid-forties. She outlines what long-term care policies typically cover and why finding the right policy depends on individual needs and circumstances.

Betsy and Suzanne also discuss disability insurance, caregiving stress, and why emergency planning is not just about finances — it is about protecting families from unnecessary hardship. Suzanne highlights practical steps listeners can take today, including:

• Updating wills and important documents
• Creating a medical directive
• Assigning power of attorney for financial and medical decisions
• Communicating end-of-life wishes and care preferences

Betsy appreciated Suzanne’s reminder that planning ahead makes an enormous difference for loved ones left to make difficult decisions during emotional times. Suzanne’s parents served as strong role models for preparation, and their example shaped her mission to help others feel informed, empowered, and supported.

✨ Betsy Wurzel thanks Suzanne Scheer, J.D., CLTC® for being a phenomenal guest.

About the Guest 🌿

Suzanne Scheer, J.D., CLTC® is an independent financial advisor specializing in Life, Disability, and Long-Term Care insurance. She attended Emory University and George Mason University School of Law and previously practiced Family Law in Northern Virginia. After stepping away from her legal career to raise her son and care for her parents during their illnesses, Suzanne became a financial advisor in 2016, focusing on helping families prepare for long-term care needs.

Why It Matters 💡
Planning ahead for long-term care is more than a financial decision — it is an act of compassion for the people we love. Suzanne Scheer’s experiences remind us that preparation can ease emotional stress, provide better care options, and give families greater peace of mind during difficult times.

What Do You Think 🤔
Have you started thinking about long-term care planning or discussed future caregiving wishes with your family? What steps feel most important to you right now?

💬 Life truly can change in a blink, and this conversation encourages listeners to take thoughtful steps now rather than waiting for a crisis.

🎧 Listen Here 

To Contact Suzanne Scheer

Website: https://www.sgsinsurance.net/
LinkedIn: https://www.linkedin.com/in/suzannescheer