Long term care insurance planning, an area that many do not really want to talk about. There’s a certain inevitability that we often ponder when this subject comes to the surface. I find it to be one of the areas that cannot be overlooked, especially considering our fiduciary duty. Some folks have an opportunity to perhaps do some of the planning for this event through their employer. There’s pros and cons in pursuing and employer-sponsored plan, as I discussed in the video. The primary focus has to do with health underwriting, surprisingly long-term care is purchased with your health and paid for with your cash. One’s current health is a strong focus when considering long-term care planning. Having an employer sponsored opportunity may help get simplified underwriting and solve that issue.