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National Care Planning Council (NCPC)

"We are the most comprehensive resource for Eldercare, Senior Services and Care Planning anywhere. We publish articles, books, and guides to help you learn how to meet the needs of seniors. The providers and services listed under "Senior Services" are here to help with any retirement or eldercare need." - Thomas Day, Director

Eldercare Services


Find companies and individual providers in your area who can help your family with senior care and long term care planning.

Eldercare Books


Find books written by the NCPC to help you plan for and fund the finals years of life or learn how to obtain government benefits.


Marketing Systems for Professionals


The following were created for professionals working in the eldercare industry.

Life Resource & Retirement Planning System - New!
Life Resource Planning will guide your clients while they prepare for their final years of life. Our online questionnaire's will produce PDF Surveys for your clients to help them plan for long term care, access government benefits, find sources of funding, set aside money for death benefits, preserve assets, and plan for Medicaid.

Local Planning Councils
Build a team to promote and market your council services in your community.

Support for Those Who Help Veterans
Get accredited, stay accredited, and help veterans and their families apply for benefits from the Dept. of Veterans Affairs.

Educational Presentations for Senior Living Communities
These educational videos and workbooks will increase your facility occupancy by remotely or locally educating potential residents about government programs to boost their incomes.

The CLRP™ Designation (Certified in Life Resource Planning)
The Society for Life Resource Planning sponsors individuals who desire to earn the "Certified in Life Resource Planning" designation (CLRP™).


When Should the Elderly Give Up their Driver's License?

NCPC - Article | by the NCPC | August 9, 2021

Aging seniors dread the day they will lose more of their independence by having to give up their driver's license. Unfortunately, no longer being safe behind the wheel is a difficult reality aging seniors must face. According to the CDC, the risk of being in a traffic accident increases as people age. Continue Reading.

How do Shingles Affect the Elderly and the Immunocompromised?

NCPC - Article | by Hannah Turk | May 7, 2021

Simply put, Shingles is an attack on the body's immune system. Shingles, also known as herpes zoster, is a viral infection that causes a painful skin rash which often include blisters. The blisters most commonly appear in a stripe like pattern, entering at the roots of nerves and follows them to the skin. Shingles is caused by a reactivation of the varicella zoster virus, also known as chicken pox. The chicken pox virus lies dormant for years, sometimes even decades, waiting to be reactivated. Continue Reading.

The Cancer You Can See – Skin Cancer

NCPC - Article | by Hannah Turk | April 14, 2021

Skin cancer is very common. In fact, one in every three cancers diagnosed are classified as skin cancer. But what is skin cancer? The Epidermis (skin) is made up of four different types of cells Merkel, Langerhans, Keratinocytes, and Melanocytes. Skin cancer occurs when irregular skin cells form to create a malignant or benign lesion. Malignant lesions are more aggressive and considered cancerous. Benign lesions are considered non-cancerous. These irregularities within the cells are a DNA mutation caused by ultraviolet light. Continue Reading.

Three Reasons Seniors are Failing to Cope in Their Final Years

NCPC - Article | by Thomas Day | February 12, 2021

If a senior or a senior couple is relying on investments and savings such as Social Security or pensions to augment income, and for various reasons those retirement accounts did not produce the anticipated results, many seniors find themselves in a bind in their later years where they are unable seek employment to make up the difference. Continue Reading.

Understanding Sundowners Syndrome

NCPC - Article | by the NCPC | January 27, 2021

If you know or care for someone who suffers from Alzheimer's disease, you may notice regular behavioral changes at certain times of the day. Doctors refer to this as Sundowners Syndrome, 'late-day confusion', or 'sundowning', as symptoms occur late in the afternoon or when the sun sets. Symptoms tend to alleviate by morning. More than 60% of adults who suffer from late-stage Alzheimer's or other forms of dementia experience a certain set of sundowning (neuropsychiatric) symptoms, which include... Continue Reading.

Strategies for Successful Aging

NCPC - Article | by Thomas Day | November 13, 2020

Aging and death are an inevitable consequence of being part of an earthly existence. But not all people are the same when it comes to aging. Some people are "old" well before their time and well before that magical and totally arbitrary age of 65. Others remain active and healthy well into their 80s and 90s. Many would argue those who age prematurely and who die early do so because of the genetic disposition that dictates the outcome. In some cases this may be true. In many cases this is not true. There are a number of factors that affect the health and longevity of aging seniors. Continue Reading...

Certified Medicaid Planner™ Designation Gets National Accreditation

CMP™ Board | May 5, 2014

Washington, DC – The Certified Medicaid Planner™ Governing Board is pleased to announce that it has received full accreditation by the National Commission for Certifying Agencies (NCCA) – the gold standard in accreditation. The certification known as “Certified Medicaid Planner™” or referred to by its acronym “CMP™” is the first-ever of its kind in the planning profession. Continue Reading.


Guide to Long Term Care Planning

FamilyThis section, called the Guide to Long Term Care Planning, contains books, articles, and free non-commercial resources which will help you with your long term care planning needs.

Below are 34 in-depth chapters, totaling over 690 printable pages, covering all areas of long-term care planning, or as it's more commonly called, elder care planning.

National Care Planning Council Books

The National Care Planning Council is a leader in providing books on timely subjects for long term care planning. Below are five of our popular books.

"How to Deal with 21 Critical Issues Facing Aging Seniors"
"How to Apply for Department of Veterans Affairs Benefits" (2023 Edition)
"The 4 Steps of Long Term Care Planning"
"Protect Assets from Nursing Home Costs"

About Long Term Care

The need for long term care arises when an individual requires from someone else, assistance with medical care, daily activities, comfort, supervision or advice. Most long term care is provided by family members.

Read the Article: About Long Term Care
Lists of Eldercare Services in Your Area
Find a State Care Planning Council

Links to LTC News and Interviews

These are links to online news sources and to online magazines that deal with long term care issues. We also provide a number of radio interviews dealing with long term care issues. These are interviews with experts in the field.

Go to News and Interviews
About Long Term Care Link (the NCPC)
National Care Planning Council Articles

About Caregiving

Caregiving involves two groups of people who provide long term care. Roughly 60% of all care is provided by family members who receive no pay for their time. These folks are usually called informal caregivers. The balance of care is provided by formal caregivers who are volunteers or paid professionals.

Read the Article: About Caregiving
Find a Professional Advisor

Need for Long Term Care Planning

Even though long term care can be the greatest crisis an elderly person can experience, there is an appalling lack of preparation among older Americans. Scarce government funds and changing demographics make the need for planning even more critical than ever.

Article: Need for Long Term Care Planning
Find a Long Term Care Planner

About Long Term Care at Home

Roughly 70% of all long term care is provided in the home primarily by a spouse, a daughter or daughter-in-law. More family caregivers are in the workplace or live far away and are finding it difficult to care for loved ones at home. Help is available in a number of ways.

Article: Understanding Family Caregiving
Find Home Care Services
"The 4 Steps of Long Term Care Planning"

7 Steps of Long Term Care Planning

Planning for long term care is a process for two generations. As a general rule, the older generation completes seven logical steps in this process. For a generation preparing for retirement the seven planning steps occur in phases before and after retirement.

Article: 7 Steps of Long Term Care Planning
Find Eldercare Services in Your Area
Read our new book about these steps

About Home Telehealth

Home Telehealth is a useful home care service for rural areas where distances are great and nurses and aides find it difficult to visit patients. The home Telehealth patient uses vital sign monitoring attached to a computer and consults with the home care personnel over the phone and using the computer to feed information.

Read the Article: About Home Telehealth
Find Telehealth Services

Knowing Who to Contact for Help

Most family caregivers simply don't know where to turn for help and advice. This is the largest article on the site and covers vital services that all families should consider using. Many of these services go unused, simply because of lack of knowledge. In most cases, these services could save time, money and caregiver stress.

Article: Understanding Life Resource Planning
Lists of Senior Care Services in your Area

About Adult Day Care

Adult day care services have been around for about 30 years but providers have found it difficult to stay in business and families seem reluctant to use the services. This is unfortunate because this service can help people stay in their homes longer by providing medical care and giving care givers a rest. Next year Medicare may start paying for these services as an alternative to home care and this will give this industry a shot in the arm.

Article: Adult Day Care Services
Find Adult Day Care Services
Find Similar Services

Paying the Cost of Care

Having money to pay for long term care when the time comes is probably the most important part of the planning process. For a younger generation, long term care insurance makes the most sense. For the older generation that hasn't provided funds for care, there are other options that might be available. But they never work as well as the insurance. This article also examines the past and future effect of inflation on various care services.

Article: Paying the Cost of Care
Find a Professional Advisor
Request Help from the NCPC

Retirement & Care Communities

Many active seniors are selling their homes and using the equity to purchase a retirement living arrangement on the seashore, in the mountains, in the desert or in the South where it's warm. Some seniors find new living arrangements that offer various degrees of eldercare. This article examines the various retirement living arrangements for the elderly.

Article: Aging Communities with Personal Needs Support
Find Retirement & Care Communities

Long Term Care Insurance

This is the most in-depth and comprehensive treatment of long term care insurance available anywhere; either for sale or for free. For those of you who want all the details, including numerous charts, this is the article for you. Estimates are that costs for this insurance are going up about 12% a year for the same buying age. You should not delay buying.

Article: Understanding Long Term Care Insurance
Find a Long Term Care Insurance Specialist

About Assisted Living

Prior to assisted living, elderly people who could not remain in their homes for various reasons had to go to a nursing home for care. Assisted living is an alternative that provides a more homelike environment, a more stimulating atmosphere and is generally about 60% of the cost of a nursing home.

Article: About Assisted Living
Find Assisted Living
Find Alzheimer's Facilities & Care

Wills, Trusts & Powers of Attorney

This article discusses estate planning strategies for the elderly. This is not legal advice and an attorney should be used to prepare these documents. Many elderly fail to provide these documents for their family and when the time for care comes, family are scrambling to try and straighten out the mess.

Article: The Importance of a Will
Find an Elder Law or Estate Attorney
Find a Trust Administrator

About Nursing Homes

For many care recipients long term care is an evolving process of losing more and more physical or mental capacity. A nursing home is usually the last stop in this process. The nursing home is equipped to handle medical problems, disability and in some cases behavior problems that cannot be handled by any other provider. Because there are now so many other options for care prior to a nursing home, the trend is that residents on average are much sicker and older than in the past.

Article: Nursing Homes
Find Nursing Homes in Your Area
Find Alzheimer's Facilities & Care

Medicaid Planning

Medicaid planning has gotten a bad name because a handful of practitioners have abused the system and taken unfair advantage of taxpayers. But Medicaid planning is really a useful strategy and is typically used to save what few assets are remaining for Medicaid spend down and to provide adequate income for the healthy spouse at home. Medicaid often robs the healthy spouse of a quality standard of living by not allowing enough needed assets and income.

Read the Article: Medicaid Planning
Find a Medicaid (Medi-Cal) Planner
Find Medicare Plans

About Hospice Care

Hospice care is a valuable service and generally under used except for terminal cancer patients. Hospice allows for compassion and dignity in the process of dying. Most families wait too long to have their doctor prescribe hospice from Medicare. It should be considered at an earlier stage.

Read the Article: About Hospice Care
Find Hospice Care

Life Insurance as a Planning Tool

The life settlement and a related product called a viatical allow an investor to free up cash for an individual by investing in that person's death. The investor purchases the individual's life insurance policy for less than value and then recoups the investment plus interest with the death payout when the insured dies.

Read the Article: Life Insurance as a Planning Tool
Find a Life Settlement Specialist

About Medicare & VA Long Term Care

Medicare provides limited coverage for home care and for nursing home rehabilitation from a three day hospital stay. If the patient is not recovering, Medicare eventually quits paying. Medicare also covers hospice care. The VA will also cover limited home care, assisted living and nursing home care under certain conditions. In addition many states have VA state nursing homes.

Article: Understanding Medicare
Book: "How to Apply for Veterans Benefits"
List of VA State Nursing Homes
Find a Veterans Benefits Consultant

Using a Reverse Mortgage

After 15 years, reverse mortgages are finally starting to catch on. A reverse mortgage (Home Equity Conversion Mortgage) allows someone to tap the equity in his or her home and use it for anything. There are no income or credit requirements for this loan. It's the same as any other loan -- you own the title and the bank holds a lien. There is no requirement to make payments while you are alive and still living in the home.

Read the Article: Using a Reverse Mortgage
Find a Reverse Mortgage Specialist
Request Help

About Medicaid Long Term Care

Medicaid provides nursing home coverage for elderly people over age 65 and for younger disabled people on SSI. Except for 13 states that test for income, in all other states, a person can receive Medicaid nursing home if assets are less than $2,000 and income is not sufficient to pay the full cost of care. Medicaid will make up the difference. Medicaid waivers are used to cover home care and assisted living services in all states. But in many states nursing homes are favored over these waiver programs.

Article: Understanding Medicaid Long Term Care
Find a Medicaid Planner
Find an Elder Law Attorney

Using a Care Manager

Elder or geriatric care managers are invaluable in helping family caregivers cope with the burden of caregiving. Everyone should use a care manager when the time for care comes. Unfortunately it's just the opposite. Family think they can do it themselves and rarely spend the money. Using a care manager is no different than using an attorney or a CPA. The family is confronting the maze of long term care services for the first time. The care manager has been there many times. A care manager will save time, money and stress.

Read the Article: Care Manager Services
Find a Care Manager
Request Help from the NCPC

About Area Agencies on Aging

Area agencies on aging are the designated managers for state service and planning areas. A service and planning area is a geographic area of the state with more than 100,000 people and containing a significant number of elderly over the age of 60 that can be effectively served by the area agency under the Older Americans Act.

Article: Area Agencies on Aging
List of State Aging Units & Area Agencies
Find a State Care Planning Council

Supplements, Advantage Plans, Part D

This article goes into detail explaining how Medicare works and how Medicare supplements fit into the overall picture. A great deal of space is devoted to explaining the new Medicare Advantage plans and the new Medicare prescription drug, part D program. An effort is made to explain how they all fit together and the advantages of various coverages. We also provide step-by-step instructions on how to sign up for the new prescription drug plan.

Supplements, Advantage Plans, Part D
Find a Professional Advisor
More about Part D

Depression in the Elderly Population

A scholarly article on recognizing depression in those receiving care and recognizing that treating that depression could result in a better quality of life for the care recipient. Dealing with depression may also relieve the stress on caregivers.

Depression in the Elderly Population
Find a Geriatric Health Care Practitioner

The Caregiver's Handbook

An excellent how-to-do-it book for caregivers, produced by San Diego Mental Health Services. Contained here are 31 pages of great advice, tips and instructions on how to deal with an elderly loved one needing long term care.

Article: The Caregiver's Handbook
Find an Elder or Geriatric Care Manager

About Medical Care for the Elderly

There is a crisis in the health care treatment that elderly Americans receive in this country. Few doctors have training in providing health care to the elderly. As a result many seniors are over-medicated and under-treated and their quality of life may be severely affected. With proper treatment many of the afflictions of the elderly could be substantially reduced. Families should seek medical treatment through geriatric clinics or from geriatricians.

Article: Aging and the Attitude of Healthcare Providers
Find a Geriatric Health Care Practitioner

Elder and Family Mediation Services

A large number of families put up with family disagreements and family disputes and long lasting bitterness over the care of loved ones. Many people don't realize that a simple process called mediation could put their family back together again. Elder or family mediators bring disputing parties together and through mutual agreement and a written document help them to resolve their issues. This is an extremely valuable service.

Elder and Family Mediation Services
Find an Elder or Family Mediator

About Elder Abuse

Elder abuse is the "dirty little secret" of caregiving. Estimates are that only about 10% of all abuse is ever reported. And it's possible that 10% of elderly and disabled Americans suffer abuse at the hands of caregivers or family members. The most frequent abuse is not in nursing homes but in the homes of the persons receiving care. This could be neglect, physical abuse, verbal abuse or financial abuse where children are stealing assets.

Read the Article: The Hidden Secret of Abuse
List of State Protective Services
List of State Ombudsmen

Professional Home Care Services

Although most home care is provided by family, friends or volunteers, there is a growing trend to hire paid individuals or professionals to provide this care in the home. Traditional caregivers can't provide care because of full-time employment or parents live a long distance away. This article discusses the use of traditional home health agencies, live-in care providers and personal or non-medical home care companies.

Article: Professional Home Care Services
Find Home Health Care
Find Similar Services

Technology & Remote Monitoring

This article discusses assistive technology, which is the use of devices to help with disability. Some of this equipment, labeled as durable medical equipment by Medicare, will be covered by Medicare. Such things as bed lifts, wheelchairs and scooters as an example. Also a variety of disability aids and help are discussed.

Article: Technology & Remote Monitoring
Find Assistive Technology & Disability Aids
Find Remote Monitoring and Medical Alert

Senior Citizen Centers

Senior centers act as a focal point for older Americans to receive many aging services. They are a vital part of the aging network. For Area Agencies on Aging, the senior center has become a place where many AAA services can be provided, where outreach and targeting can occur and where feedback can be received from the elderly.

Read the Article: Senior Citizen Centers
Find a Professional Advisor
Find a State Care Planning Council

Reference Materials

For those of you who prefer to find your own source material, we have included reference material that we particularly like; sources we feel are rich in facts and figures. So far we have included 102 of these references. If you have a source that you particularly like, please let us know and we will include it on our listing.

Go to the Reference List
Find a Professional Advisor
Find Useful Links

End-of-Life Services

This is a lengthy article that examines dying, final directives, grief and bereavement, palliative care, pain management, funeral arrangements, funeral services, funeral preplanning and pre-need planning. This last service has become quite popular in recent years where people prepay and preplan the entire final arrangements.

Article: End-of-Life Services
Find Pre Need Funeral Planning
Find Similar Services