How We Can Help

We can help you determine which
longterm care options
work best for you

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We can help review
and interpret your
current policy for you

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We can help you
a long term
care claim

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We can help you with
long term care support
services and resources

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Long Term Care Consultants…there’s just no substitute for:

Long-Term Care Consultants was founded in 2000 in Richmond, VA. Our mission is to provide education and awareness to individual clients, employer groups, financial advisors, other insurance professionals, certified public accountants, attorneys, physicians, caregivers and anyone who wants to understand what is the best way to leverage their money and most tax efficient way to pay for long term care based on their individual circumstances.

What our clients say

  • Several years ago, I took out long term care insurance policies for myself and my husband. It seemed like a smart thing to do and the agent representing the company, Linda Caruthers, was both knowledgeable and clearly invested in providing excellent service. Over the years, as questions about one thing or another have surfaced, I have always felt comfortable in knowing that I could reach her directly should there ever be a problem concerning a policy. That kind of personal attention is particularly important when you need quick reliable aid and only have at your disposal a computerized help station! The human touch really matters, and Linda makes your needs her priorities!

    Tinina Cade, Ph.D
    Associate Vice President for Student Development, University of Richmond
  • I have known Linda Caruthers for several years. She is caring, compassionate and always willing to help others. I highly recommend Linda as the premier expert in the area of long-term care protection, chronic care and any assistance related to these pressing issues. Linda is our go-to-expert for anything related to long-term care insurance. I have several clients that I’ve referred her to, with tremendous results. We even went to Linda to manage our own long-term care insurance needs – and we are thrilled.

    John Millen
    Managing Partner, PPG Benefit Solutions
  • “Linda Caruthers is a valuable resource, and her knowledge and work experience in the long-term care insurance industry provides insight into the issues we face as we age. In addition, her compassion for others and her strong work ethic add to her expertise, and she has been a pleasure to work with when planning educational programs and personalized, one-on-one meetings for employees. Linda and her team of long term care professionals have also been available to join us at annual Wellness Fairs, Benefit Fairs and Retirement Planning Workshops. I am very thankful for Linda’s commitment to employees and appreciate all she does to promote wellness on our campus. Thank you, Linda,!”

    Suzanne Bird
    Benefits & Compensation Specialist, University of Richmond
  • “I have known Linda Caruthers for many years as a professional in Long Term Care Insurance (LTC). She is one of the most knowledgeable, if not the most knowledgeable persons in the industry. Linda is always thinking and researching what is the best strategy for her clients. She has assisted me as a LTC broker with saving many of my client’s time and money in finding the right company and product to meet this need. But more important, she is one of the most sincere and caring persons you will ever meet. She takes each of her client’s concern to hear and it shoes in her service to them.
    I highly recommend Linda for any of your Long Term Care needs. You do not know when you may need that financial security no matter your age.”

    Don R Vaught
    President, Vaught & Associates Financial Services
  • “Our firm has worked with Linda for the past 10 years. Not only is she extremely knowledgeable about long-term care, but she is able to educate and communicate with clients in a very comfortable fashion. I trust Linda to help address and solve any long-term care concerns my clients have.”

    John B. Clair
    NAPFA-Registered Financial Advisor
  • A shout out to Linda Cauthers!

    My wife and I worked with Linda over a number of months to dive deeply into the LTC insurance products and processes. Linda was generous with her time and talent, explaining concepts and evaluating different options for us. She was especially helpful in guiding us to focus on what we envisioned for our “golden years” and then strategizing on solutions to meet those goals. We highly recommend partnering with Linda when considering LTC options. As we learned, it is never too early to start this journey.

    Al Strickler
    Strickler Medical, Inc.
  • This is a testimonial about the wonderfully helpful, insightful and professional advice from Linda Caruthers, one of your Long Term Care Specialists. After carrying a very expensive and valuable policy for almost twenty years, I am at that point of how and when to move ahead with claims for home care assistance. Thanks to Linda’s tremendous help, I’m much better informed and able to understand my policy more fully and make important decisions. In short, Linda is the best, and I’m very lucky to be working with her.

    Robert Beukema
  • I consider myself fortunate to have met Linda Caruthers and subsequently enlisted her help in purchasing a LTHC plan. She did a thorough job of researching several plans and giving me options to choose from. It has been approximately 15 years since Linda became my agent, and I’m still glad I made the decision to allow her to represent me in such an important life decision. She even agreed to meet w/my children so they would understand the plan. This was especially important to me, since I am a widow. It also gave my two sons confidence that I was being well cared for in a professional way.

  • An excellent speaker who really knows her subject and is aware of all the gaps in people’s knowledge of LTCI and can propose ways to follow up on issues. She also knows what people do not know about the use of the insurance and gives good tips on how best to use it.
    Complete review of Long-Term Care Insurance by an expert.
    Her mastery of the content!!
    I learned so much!
    The instructor, Linda’s, expert knowledge.
    useful information, well presented

    University of Richmond Osher Lifelong Learning Center Class Evaluation
  • Recently, I had the opportunity to hear Long-Term Care consultant Linda Caruthers speak about long-term care. She delved deeply on all facets of long-term care…from benefits for which these policies are best known to the much lesser known benefits and how to best utilize policies. Honestly, I was surprised by the myriad of benefits that I had overlooked in our policies that can be used on a timetable that is conducive with needs and planning. She helped me focus on the importance of including LTC in my personal strategic plan and goals.

    She also addressed many stress-saving attributes, such as notifying the appropriate people, such as legal counselors, etc., about policies, POA documents, etc., rather than waiting until filing a claim at a time when stress is already elevated.

    I have engaged many consultants over time to help me plan for various benefits and services during my lifetime. I can say that Linda is at the very top of that list. Not only is she the most thoroughly knowledgeable person on the LTC topic but she has her client’s interest at the forefront. She asks deep questions and listens actively for any triggering comments that would help her offer the most accurate and best advice.

    I consider myself to be most fortunate to have met Linda Carurthers. She is a valuable resource to be included in a family’s overall health and wealth planning.

    Patricia Gallagher
    Senior Vice President, Sonabank
  • As a family physician, my philosophy is that as an individual you are not a commodity, so you shouldn’t accept assembly-line healthcare. My practice is personalized to fit your unique needs and busy schedule. I have known Linda Caruthers for several years and over that time, I have come to know that she has a similar philosophy when it comes to long term care issues. She and her team work with potential clients on a very personalized basis where she ensures that people are educated properly regarding the complex area of long term care so that they can make an “informed” decision regarding what is appropriate for their situation. As a result of her philosophy I refer clients to her on a regular basis.

    John W. Verheul
    MD, MPH, HealthVisions MD
  • “Dear Linda,
    It was our sincere pleasure to meet with you last Friday. Our experience with you was truly amazing. We still cannot believe such a person as you exists on this earth. You were so pleasant, efficient and knowledgeable and ever so passionate about your job. You went above and beyond the call of duty to help us understand our long-term care policy. Thank you for your kind and professional services. Linda, it is a great feeling to know if we ever need help that you will be there for us. Thank you for the summary of our meeting. We value your suggestions and will begin acting on them soon. We have our work cut out for us. Take good care. YOU are the BEST!”

    Al and Mary Jo Kling
  • “My name is Richard S. Smith a 1990 retired U.S. Army Lt. Col. and more recently, a staffer with the National Education Association from 1992-2010. I met Ms. Caruthers in 2004 in my capacity as a member benefits consultant and advisor to the various business enterprises providing products and services to the NEA membership and their families. I soon recognized that Ms. Caruthers presented her designation as a CSA (Certified Senior Advisor) to a level that exceeded expectations. Her technical knowledge of the topic, Long-Term Care management, was without equal. More significant was her empathy and ability to connect with her client or audience as she explained the web of options one should consider in confronting the challenges of longevity. She is sought after by insurance agents and financial planners as they recognize the service that she can provide to the financial decision making for their clients. She is unquestionably at the top of her industry and performs with the upmost of integrity and reliability.”

    Richard S. Smith
  • “Linda Caruthers builds on her teaching past to be the perfect partner for clients and advisers as they explore the many facets of long term care planning. With an emphasis on compassion and education, Linda offers a warm, comfortable approach when talking about long term care planning, and her deep knowledge of the provider marketplace makes her a great partner for anyone who has questions about Aging in Place.”

    David Hillellsohn
    DHill Financial, LLC
  • My husband and I are very appreciative of the information and guidance given us by Linda Caruthers. She answers questions with ease and without hesitation. It is refreshing to experience her positive, reassuring approach to something we consider complex. Not only is she extremely knowledgeable about long term care insurance but it’s obvious that she stays on top of the latest changes in the long term care industry. Her reliability and kindness are outstanding. We’re very thankful for her expertise and helpful manner.

  • I recently took a course from Linda entitled “Understanding Long Term Care.” I have had long-term care
    for 18 years and, aside from making payments, I never investigated the terms and conditions closely.
    This course gave me a deeper understanding of this valuable asset and how I can use it to best effect.
    So, if you have long-term care insurance or don’t have it, it is important for you to have a thorough
    understanding of your policy or why you should buy a policy.

    JF Bergh
  • Thank you so much! I don’t feel like I’m flying nearly as blindly as I was before your session. And it’s great to know that there’s someone locally who can read and interpret Insurance-ese 😉

  • My husband and I would like to thank you for your assistance, and for educating us, on long term care insurance and life insurance with a long term care rider. We are so glad you were recommended to us by our Medicare insurance advisor. You literally came to the rescue with information and possibilities. All was greatly appreciated.

    Becky Day
    Independent Beauty Consultant
  • Thank you Linda Caruthers and your staff for working with us over the past year since retirement from the
    Foreign Service to purchase our new additional LTC insurance plan. We very much appreciate your
    patience in answering our any-and-all questions that we raised in the slow, deliberate process of making
    our decision. We also appreciated your willingness to meet on our schedule at various times over many
    months to go over in detail and clarify our understanding of this most important of life purchases.

    Frank and Setsuko