David Clemons

David Clemons, a long-term care insurance specialist since 2002, shares invaluable insights on planning for future healthcare needs. He discusses common triggers for long-term care, the importance of timely insurance purchases, and the funding options available. Clemons highlights the pitfalls of self-insuring and explains typical premium expectations for different age groups. He also clarifies the distinctions between Medicare and Medicaid and offers practical advice on navigating care placement options and the implications of federal plans.