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.