The Next ChaptHER

Planning Ahead Without Panic: Understanding Long-Term Care with Suzanne Scheer, J.D., CLTC®

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Most women in their 40s and 50s don’t think about long-term care—until they’re suddenly forced to.

In this episode of The Next ChaptHER Podcast, Andrea Hecht sits down with Suzanne Scheer, J.D., CLTC®, to unpack what long-term care actually is, why it matters, and why waiting until a crisis hits can leave families overwhelmed—emotionally, logistically, and financially.

Suzanne’s passion for this work is deeply personal. As part of the sandwich generation, she spent years caring for her parents through extended illnesses while raising her own young child. That experience opened her eyes to what families go through when there isn’t a clear plan in place—and why education before a crisis is so critical.

Together, Andrea and Suzanne break down long-term care in simple, human language—without fear-mongering or pressure—so women can make informed decisions that protect both their future selves and the people they love.

In This Episode, We Cover:

  • What long-term care really means (and what it does not)

  • Why Medicare and health insurance don’t cover custodial care

  • Common misconceptions that keep women from planning ahead

  • Why long-term care isn’t just about aging—it can happen at any age

  • The different types of care: home care, assisted living, memory care, and more

  • Traditional long-term care insurance vs. newer hybrid/asset-based options

  • How health history and timing affect eligibility

  • Why planning ahead gives you choice—not panic

  • How proactive planning can reduce emotional and financial strain on families

    Key Takeaways:

    • Long-term care covers custodial care—help with daily activities—not medical treatment

    • Medicare offers only limited, short-term rehab coverage

    • Planning earlier often means more flexibility, better options, and less stress

    • Newer long-term care products can provide value even if care is never needed

    • The goal isn’t just financial protection—it’s dignity, autonomy, and family peace

      About the Guest:

      Suzanne Scheer, J.D., CLTC® is a long-term care specialist who helps individuals and families plan proactively—before they’re in crisis. She is known for her clear, compassionate approach and specializes exclusively in long-term care education and planning.

      🔗 Website: https://www.sgsinsurance.net

      🔗 LinkedIn: https://www.linkedin.com/in/suzannescheer/
      📸 Instagram: https://www.instagram.com/suzannescheer_jd_cltc/

      💻 Upcoming Webinar: “Understanding Long-Term Care Insurance” will be on February 19th at Noon EST.  Registration link:  https://zoom.us/meeting/register/tcs5Y0ZIRgaHWVlFbwbYkw

      Resources Mentioned in This Episode:

      • The Shopper’s Guide to Long-Term Care Insurance

        National Association of Insurance Commissioners (NAIC)
        https://content.naic.org/sites/default/files/publication-ltc-lp-shoppers-guide-long-term.pdf

        Ready for Your Next ChaptHER?

        To learn more about Andrea’s work supporting women through transitions and helping them find their roadmap back to J.O.Y. (Journey of You), visit fullyinformedlife.com.

        Continue the conversation with Andrea on Instagram @fullyinformedlifecoaching.

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        Until next time, keep writing your next chapter.

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