# 177 Hospice, Caregiving, and Long-Term Care Planning with Raymond Lavine

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Text version: https://stenobird.com/podcast/hospice-explained-3645914/177-hospice-caregiving-and-long-term-care-planning-with-raymond-lavine.md
Podcast: [Hospice Explained](https://stenobird.com/podcast/hospice-explained-3645914)
Published: 2026-03-01T18:00:00+00:00
Episode link: https://hospiceexplained.libsyn.com/episode-177
Audio file: https://traffic.libsyn.com/secure/hospiceexplained/Episode177_Audition_v1_mixdown.mp3?dest-id=2694440
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JSON: https://stenobird.com/v1/public/podcasts/hospice-explained-3645914/episodes/177-hospice-caregiving-and-long-term-care-planning-with-raymond-lavine
Duration seconds: 1698

## Resource

177 Hospice, Caregiving, and Long-Term Care Planning with Raymond Lavine Host Marie Betcher, a former hospice nurse and longtime registered nurse, interviews Raymond Lavine, Raymond explains he designs long-term care plans that can help pay for caregiving either at home or in a facility, addressing the common misconception that long-term care insurance is only "nursing home insurance." They discuss caregiver stress and the need to support caregivers with respite and practical help. Raymond outlines how long-term care policies generally work as a pool of money over a set period, often with inflation or cost-of-living features, and notes that benefits may not cover 100% of costs depending on the plan and setting. Raymond advises making incremental home modifications in advance to support aging in place and reduce falls. The episode ends with Raymond offering Zoom, phone, and in-person meetings, directing listeners to his website tools and FAQ features, and Marie encouraging listeners to subscribe and share. 00:00 Welcome + Medical Disclaimer 00:29 Meet Your Host Marie Betcher 00:46 Raymond Lavine's Backstory: Army, Vietnam & Career Path 02:43 What Raymond Does: Long ‑ Term Care Planning Meets Hospice Reality 04:21 Caregiver Burnout: Supporting the Family, Not Just the Patient 05:50 Does Long ‑ Term Care Insurance Pay for In ‑ Home Care or Facilities? 07:28 What Hospice Covers Under Medicare (and What It Doesn't) 11:00 How Long ‑ Term Care Policies Work: Pools of Money, Inflation Riders & Costs 16:08 Affordable Options When Money's Tight: Life Settlements, Reverse Mortgages & Hybrids 20:12 Avoiding Crisis: Planning, Home Modifications & Real ‑ World Care Logistics 22:09 Hospice Isn't a Daily Caregiver: Building a Care Team https://raymondlavineofficial.com/ https://www.la…

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