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Meet the Long-Term Care Insurance Experts

The biggest mistakes to avoid when considering Long-Term Care Insurance:

   1. Waiting too long to start planning

   2. Believing it won't happen to you

   3. Counting on government programs

   4. Not working with a long-term care

       insurance specialist

Costs vary between insurers, discounts vary between insurers and acceptable health conditions vary. You want to work with an experienced and knowledgeable professional who stays current and can get you the best coverage for the best price. Here at Long-Term Care Consultants, all we do is long-term care all day, everyday.

Linda Tsironis Caruthers, CSA, LTCP

Linda Tsironis Caruthers earned the Long-Term Care Professional designation from America’s Health Insurance Plans (AHIP) in 2005 and the Certified Senior Advisor designation from the Society of Certified Senior Advisors in 2006.


She is president of Long-Term Care Consultants, Inc. located in North Chesterfield, Virginia. Although Linda has been in the insurance industry since 1989, she has specialized in long-term care insurance since 2001.

Tracy M. Meade, CLTC
LTC Advocate

     Tracy is someone who knows how to take care of herself and others. Her mission is helping others protect and provide for their people that matter most. Tracy has been self-employed for over 30 years. She has enjoyed a busy career as an accountant, a home builder, a realtor, and now a financial advisor. Her diverse background has provided her a wealth of knowledge and experience that provides her a way to help her clients in more ways than most.

Karyl L. Moesel, MBA, CLU, CLTC
LTC Advocate

Karyl brings 15 years of various types of insurance experience prior to being associated with LTC Consultants, Inc. Several years ago, she wanted to complete the required 8 hours of training to meet Virginia’s LTC education requirements. She was adamant that she wanted to attend an “in person” class rather than taking an “online” course. She received a recommendation that she should attend Linda Caruthers class – so much knowledge and experience was displayed during the training!


Long-Term Care Consultants Inc. are proud partners with PNW Insurance Services. PNW Insurance Services specializes in offering the best options for Long Term Care protection from the top carriers. It is no surprise that Long-Term Care Consultants and PNW Insurance Services have become partners in providing Long Term Care protection to as many people as they can.