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

  • 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
  • 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
  • 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
    Retired U.S. Army Lt. Col.
  • “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, CFP®
    NAPFA-Registered Financial Advisor
  • 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
  • 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 a number of 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 teamwork 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 many of clients to her on a regular basis.

    John W. Verheul, MD, MPH
  • I’ve 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.

    John Millen
    PPG Benefit Solutions
  • I have been fortunate in finding Linda Caruthers, one of a small number of specialists nationwide in the area of Long Term Care Insurance. Her advice has been invaluable to me in making decisions regarding my financial health in this area of insurance. Linda is a person of exceptional integrity, dedicated to the highest principles of her profession and has a vast understanding of a complex and changing industry. I can recommend her without reservation. If you are looking for someone who is knowledgeable and whom you can trust implicitly, do yourself a favor and contact her.