Karp Loshak Long Term Care Insurance Solutions

Our firm is a trusted source of information on Long Term Care Insurance for consumers and advisers. We pride ourselves in helping clients compare and secure the most appropriate options for their long term care insurance needs.

We evaluate from the numerous carrier options and develop customized solutions based on age, health status, marital status, lifestyle, and budget.

We specialize in all aspects of Long Term Care Insurance, including:

  • Traditional (Stand-Alone) Plans.
  • State Partnership Plans.
  • Life Insurance with Long Term Care Benefits.
  • Annuities with Long Term Care Benefits.
  • Financing Long Term Care Insurance.
  • Positioning Long Term Care Insurance for Tax and Estate Advantage.
  • Group, Multi-Life, and Employer-Sponsored Plans.

We are independent insurance brokers, CLTC-licensed* professionals with State Partnership certification**. Licensed in Arizona, California, Connecticut, Florida, Georgia, Idaho, Massachusetts, Michigan, Missouri, Montana, Ohio, Oklahoma, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Virginia, and Washington, DC.

We represent top-rated, leading Long Term Care Insurance carriers, including:


Do YOU have a long term care Insurance plan?
To learn about solutions that are best for you, your loved ones, or your employees, contact us at 516.801.1419 or info@KarpLoshak.com.

*CLTC Licensed
CLTC—Certified in Long term Care—is a designation granted by the CLTC Board of Standards, Inc., and approved by the American Council on Education, the country’s largest coordinating body for higher education. The designation is affiliated and endorsed by the College of Financial Planning, which also accredits Certified Financial Planners. The program is financially and editorially independent of the Long Term Care Insurance industry.

Both Natalie Karp and Rona Loshak, founding partners of Karp Loshak LTC Insurance Solutions, have earned the CLTC designation, which requires completing rigorous, multi-disciplinary courses focusing on the profession of Long Term Care, not the selling of insurance products.

**State Partnership Certification
In order to sell or market State Partnership Plans for Long-Term Care insurance, each State Insurance Dept requires licensed agents to complete additional training (and exam) of certified long-term care partnership continuing education.

The Long Term Care Partnership Program is a joint federal-state policy initiative to promote the purchase of private long term care insurance. The Partnership Program is intended to expand access to private long term care insurance policy to pay for long term care services.

Private long-term care insurance policy that allows you to keep some or all of your assets if you apply for Medicaid after using up your policy’s benefits. The Deficit Reduction Act of 2005 allows any state to establish a Partnership Program. Under a Partnership policy, the amount of Medicaid spend-down protection you receive is generally equal to the amount of benefits you received under your private Partnership policy. (State-specific program designs vary.)