Lauryl Chalfin & Associates


Welcome to my website!  Currently we are completely overhauling our website to serve you better. Please contact me directly so that I may answer your questions about  long term care insurance.

I would like to tell you a little about myself.  I am a Certified Senior Advisor and have specialized in the senior market since 1998.  I like to call myself a "second half planner" which means that I work with the baby boomers and older.  I help my clients plan for retirement by protecting their assets so they don't outlive their nest egg.  I only use investment vehicles where there is no risk to your principle - my clients never lose money.  I also protect their assets against the high risk of long term care costs using long term care insurance.  Did you know that a 50 year old today can expect to pay over $300,000 per year for long term care in 30 years?  The inflation rate for long term care services is at 5.8% compounded according to the General Accounting Office. 

I will be the first to say that long term care is NOT for everyone.  The general rule of thumb is, if you have assets of less than $50,000 not including your house and car, long term care insurance may not be appropriate for you.  The reason being is that you will be able to qualify for Medicaid (spend down your assets to $2,000) fairly quickly.  (Medicaid is the jointly funded state and Federal program, which is intended for those who cannot afford to pay on their own.)  Now, having said that, I have many clients that have assets of less than $50,000 that have purchased long term care insurance with the help of family participation in the premium.  They want to remain in control - these people do not want to have to go on Medicaid and would prefer to make their own choices as to where and when they receive their long term care.


Lauryl Pate Chalfin, CSA

(615) 591-3922• Fax:  (615) 591-3921

Toll Free: 1-888-711-4999




Due to advances in our medical technology, our society has been blessed with an increasing average life span. Today, we are living almost twice as long as our ancestors did only 100 years ago. Unfortunately, along with this comes the drawback that the longer we live, the more likely we will need long-term care before we die.