Long-Term Care Accountability Month 2025

Since 2001, November has served as LTC Awareness Month — yet it seems that no matter how much awareness there is, nothing changes.  Awareness without action is wasted effort, so this year, at INERTIA, we’re not doing awareness; we’re doing LTC Accountability Month. 

Let's be honest — the advisory community doesn’t have an awareness problem, it has an accountability problem.

Too many consumers believe Medicare will pay for care, and their "advisors" say nothing.....

Consumers think family will step in to be caregivers, with no one asking them how that actually works.

The advisory community thinks assets = a plan.  Why?  Because compliance officers and OSJs let them.

This November, we’re not posting statistics.  We’re asking better questions — the ones that make planning unavoidable.

The Silver Tsunami is here, and so is the need for Accountability!!

Week 1 - Awareness = Busting Myths & Changing Attitudes

It’s not about statistics — it’s about confronting the lies we’ve allowed clients (and ourselves) to believe.

Click here to begin

Week #2 - Assessment = The Cost of Doing Nothing (vs. Doing What’s Right)

This week isn’t about product quotes or premiums.  It’s about answering one question:“What happens to families, finances, and fiduciaries when there is finally a plan?”

Click here to begin 

Week #3 - Alignment = Yes, This Is Your Responsibility

This stage flips the mirror back to the advisor:

• If you handle retirement income, risk, legacy, wealth transfer — how is LTC not your lane?

• If not you, who — the CPA? Medicare agent? Estate attorney? Google?

• Documenting LTC intent = fiduciary defense + moral relief.

Click here to begin ​

Week #4 - Action = What is the plan?  (Hint, it's not a product!)

Have you answered the "plan for" questions?

Do clients have a tax and legal framework in place?

How are you documenting decisions?

What does healthcare and LTC risk look like, and how do you quantify it?

Click here to begin ​