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Raymond Lavine

Owner, Lavine Long Term Care Insurance

Masters of Business Administration (MBA), Masters in Organizational Behavior (MA), Certification in Long Term Care (CLTC)

Raymond Lavine became interested in extended care benefits (long-term care insurance) because he experienced personally the disruption that his father's extended illnesses caused the families and the financial repercussions. He now advises families and businesses about ways to mitigate the consequences extended care.

Although many people believe they will never need extended care because they are currently healthy, Lavine points out that most Americans will need extended care at some point during their lives. Causes range from illness and injury to the normal aging process. The need for long-term care affects more than just the person who needs the care, Lavine stresses: "The consequences of caregiving responsibilities will affect their family, their cash flow, their lifestyle, and their financial commitments."

Studies and statistics aside, Lavine suggests observing other people when you're traveling, dining, or shopping. "You'll see many people who are being assisted by another person. Owning extended care insurance provides the freedom to live independently and avoids burdening family and friends with caregiving duties."

Lavine says a common misconception that Medicare, the Veterans Administration, or some other social service agency will pay for extended care leads people to believe that no individual or family plan is needed. By the time they see the reality, it's too late to obtain coverage.

Raymond Lavine has a BA in International Relations from the University of Southern California; an MBA and MA from Drucker-Ito Graduate School of Management, Claremont Graduate University; and the CLTC designation.

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