{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"#215 Planning for the \u201cWhat If\u201d: Long-Term Care Insurance Explained with Scott Cramblitt","description":"In this episode of the Focused Healthy Family Podcast, Gina and Don sit down with Scott Cramblitt, Financial Services Professional Agent with New York Life Insurance, to unpack one of the most important \u2014 and often avoided \u2014 conversations families need to have: long-term care planning. As our population ages and longevity increases, more families are facing the emotional, physical, and financial realities of long-term care. Scott helps us understand: What long-term care insurance actually covers The financial risks families face without a plan The rising costs of extended care Common misconceptions about Medicare and long-term care When is the right time to plan The benefits and challenges of different policy options This episode provides clarity, practical education, and encouragement to take action before a crisis forces the conversation. If you want to protect your family, your legacy, and your independence, this is an episode you cannot afford to miss. www.newyorklife.com  C: 443-928-9788 mscramblitt@ft.newyorklife.com Scott's Bio Scott Cramblitt was born in Baltimore, Maryland and raised in Glen Burnie, just outside of Baltimore City. He attended Virginia Tech from 1997 to 2002, earning a Bachelor\u2019s degree in Business Economics. In 2005, Scott and his family relocated to Charlotte, North Carolina, where he built an 18-year career in the automotive industry. Throughout his time in automotive leadership, he was known for developing teams, mentoring employees, and helping people grow both professionally and personally. His passion for improving people\u2019s lives became a driving force in his career. That passion has now transitioned into the health and insurance space, where Scott helps individuals and families make informed decisions that protect their financial future and long-term wellbeing.  Scott and his wife, Jessica, are proud parents of two sons, Nick and Ben. Outside of work, he enjoys coaching youth sports, especially baseball, playing golf, and spending time with his family and their rescue dogs. At the core of everything Scott does is his mission: to improve people\u2019s lives \u2014 whether through mentorship, financial education, or helping families prepare for life\u2019s unexpected challenges. #FocusedHealthyFamily #LongTermCare #LongTermCareInsurance #AgingWell #FinancialPlanning #CaregiverSupport #FamilyPlanning #RetirementPlanning #ProtectYourLegacy #HealthAndWealth #InsuranceEducation #SeniorCare #FuturePlanning ","author_name":"Focused Healthy Family Podcast","author_url":"http:\/\/focusedhealthyfamily.libsyn.com\/website","html":"