Losing my grandmother in June 2024 was a significant loss. Her battle with Lewy Body Dementia highlighted the importance of discussing Long Term Care (LTC) and utilizing LTC insurance, HSAs, and other tools to manage retirement expenses. Addressing LTC needs can bring peace of mind to families and prevent confusion and unnecessary conflict. Involving the family in advance and setting clear expectations can ease the transition into LTC for the whole family and not just the client.