November 25, 2025

306. How to Use Long-Term Care Insurance Without Fear for Christian Caregivers

30 minutes

Does using your long-term care insurance feel like giving up? If so, you're not alone.

In this episode, Anne shares the emotional weight she carries as a wife caring for her husband with Frontotemporal Dementia (FTD). Like many Christian caregivers, Anne wrestles with money fears, medical chaos, and legal roadblocks—all while trying to hold her faith steady.

She’s approved for long-term care insurance, but a quiet fear holds her back: “What if I run out of money? What if I make the wrong decision?”

That’s exactly why we had this conversation.

Here are three key takeaways:

1. Use the Policy — It's Provision, Not Waste.

Anne had already met the requirements. It was time to start using what she’d paid into. Stewardship doesn’t mean hoarding. It means wisely applying the resources God has provided.

2. Secure Legal Protection Early.

Missing paperwork meant Anne had to pursue conservatorship. If you’ve got family “wingnuts” in the wings, you need clarity and a good elder care attorney now—not later.

3. You’re Shepherding a Soul, Not Just Managing Symptoms.

Dementia changes the brain, yes—but it doesn’t erase sin. Anne was reminded that her caregiving is a spiritual calling: to keep pointing her husband back to Christ.

If you’re drowning in the “what ifs,” this episode will help you come up for air. There is order in this journey—because God is not a God of confusion (1 Corinthians 14:33).

Don’t walk alone. The Christian DigniCare Society (lifetime, under $100) gives you community, coaching, prayer, and practical tools.

https://www.thinkdifferentdementia.com/cds

💬 What Do I Say When Dementia Makes Words Hard?

Get “What Do I Say? How to Connect with Your Loved One with Dementia” — a free guide for Christian caregivers navigating confusion, repetition, and emotional moments.

📥 Download the guide now: https://www.dementiacaregivingmadeeasy.com/script

🤝 You Don’t Have to Do This Alone

Join other Christian caregivers who are walking this road too — and learning how to care with compassion, clarity, and faith.

👥 Join the free Facebook Group: https://www.facebook.com/groups/dementiacaregiversupportforchristians

🗣️ Ask Your Question Live — and Be Heard

Bring your real-life caregiving questions to Ask the Dementia Coach — our free monthly Q&A session. You’ll get support, clarity, and maybe even be featured on the podcast.

🎤 Register here: https://www.thinkdifferentdementia.com/ask

🎓 Want to Reduce Overwhelm Right Now?

Join our free workshop:

How to Immediately Reduce Dementia Caregiver Overwhelm and Stress — in 3 Simple Steps

🎟️ Reserve your seat: https://www.thinkdifferentdementia.com/wsl

🧭 Still Feeling Stuck?

If you’re wondering what’s underneath your stress, the Caregiver Stress Assessment can help clarify what’s really weighing you down — so you can take your next step with peace.

📊 Take the free assessment: https://www.thinkdifferentdementia.com/dca

❤️ Enjoy This Podcast?

Leave a quick review on Apple or Spotify — it helps other Christian caregivers find encouragement and real help.

🎧 Leave a review on Apple Podcasts

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By Lizette Cloete, Christian Dementia Coach

4.9

7777 ratings