Funding Dependency

Funding Dependency is an educational resource designed to help individuals and families better understand the many ways long-term care can be funded. Rather than focusing on a single solution, Funding Dependency explores a variety of potential funding sources, including traditional long-term care insurance, hybrid life insurance and long-term care policies, LTC annuities, Medicare, Medicaid, VA benefits, personal savings, and home equity. The goal is to help families understand their options and make informed decisions based on their individual circumstances, including age, health, financial resources, timing, and state of residence.Funding Dependency was founded by George A. Mellendorf, a long-term care insurance professional with more than 45 years of industry experience. George entered the long-term care insurance industry in 1981 and founded Central States Insurance Services, Inc. (LTC Solutions), a national long-term care insurance brokerage. He holds the CLTC (Certified in Long-Term Care) and LTCP (Long-Term Care Professional) designations and is an approved Florida insurance continuing-education instructor. His extensive experience includes long-term care insurance underwriting and brokerage, hybrid and asset-based long-term care solutions, multi-life and small-business group coverage, and education for both consumers and insurance professionals.Through Funding Dependency, George brings decades of experience to a straightforward educational platform focused on helping people understand their choices before a long-term care need arises. His approach emphasizes education and preparation, recognizing that planning ahead can provide individuals and families with more options and greater flexibility when addressing the potential costs of long-term care.Funding Dependency is designed to help consumers, families, and professionals better understand the relationship between long-term care needs and the resources available to help pay for them. By providing accessible information about multiple funding strategies, the organization encourages proactive planning and informed decision-making for the future.

Funding Dependency is an educational resource designed to help individuals and families better understand the many ways long-term care can be funded. Rather than focusing on a single solution, Funding Dependency explores a variety of potential funding sources, including traditional long-term care insurance, hybrid life insurance and long-term care policies, LTC annuities, Medicare, Medicaid, VA benefits, personal savings, and home equity. The goal is to help families understand their options and make informed decisions based on their individual circumstances, including age, health, financial resources, timing, and state of residence.Funding Dependency was founded by George A. Mellendorf, a long-term care insurance professional with more than 45 years of industry experience. George entered the long-term care insurance industry in 1981 and founded Central States Insurance Services, Inc. (LTC Solutions), a national long-term care insurance brokerage. He holds the CLTC (Certified in Long-Term Care) and LTCP (Long-Term Care Professional) designations and is an approved Florida insurance continuing-education instructor. His extensive experience includes long-term care insurance underwriting and brokerage, hybrid and asset-based long-term care solutions, multi-life and small-business group coverage, and education for both consumers and insurance professionals.Through Funding Dependency, George brings decades of experience to a straightforward educational platform focused on helping people understand their choices before a long-term care need arises. His approach emphasizes education and preparation, recognizing that planning ahead can provide individuals and families with more options and greater flexibility when addressing the potential costs of long-term care.Funding Dependency is designed to help consumers, families, and professionals better understand the relationship between long-term care needs and the resources available to help pay for them. By providing accessible information about multiple funding strategies, the organization encourages proactive planning and informed decision-making for the future.

Funding Dependency is an educational resource designed to help individuals and families better understand the many ways long-term care can be funded. Rather than focusing on a single solution, Funding Dependency explores a variety of potential funding sources, including traditional long-term care insurance, hybrid life insurance and long-term care policies, LTC annuities, Medicare, Medicaid, VA benefits, personal savings, and home equity. The goal is to help families understand their options and make informed decisions based on their individual circumstances, including age, health, financial resources, timing, and state of residence.Funding Dependency was founded by George A. Mellendorf, a long-term care insurance professional with more than 45 years of industry experience. George entered the long-term care insurance industry in 1981 and founded Central States Insurance Services, Inc. (LTC Solutions), a national long-term care insurance brokerage. He holds the CLTC (Certified in Long-Term Care) and LTCP (Long-Term Care Professional) designations and is an approved Florida insurance continuing-education instructor. His extensive experience includes long-term care insurance underwriting and brokerage, hybrid and asset-based long-term care solutions, multi-life and small-business group coverage, and education for both consumers and insurance professionals.Through Funding Dependency, George brings decades of experience to a straightforward educational platform focused on helping people understand their choices before a long-term care need arises. His approach emphasizes education and preparation, recognizing that planning ahead can provide individuals and families with more options and greater flexibility when addressing the potential costs of long-term care.Funding Dependency is designed to help consumers, families, and professionals better understand the relationship between long-term care needs and the resources available to help pay for them. By providing accessible information about multiple funding strategies, the organization encourages proactive planning and informed decision-making for the future.

Funding Dependency is an educational resource designed to help individuals and families better understand the many ways long-term care can be funded. Rather than focusing on a single solution, Funding Dependency explores a variety of potential funding sources, including traditional long-term care insurance, hybrid life insurance and long-term care policies, LTC annuities, Medicare, Medicaid, VA benefits, personal savings, and home equity. The goal is to help families understand their options and make informed decisions based on their individual circumstances, including age, health, financial resources, timing, and state of residence.Funding Dependency was founded by George A. Mellendorf, a long-term care insurance professional with more than 45 years of industry experience. George entered the long-term care insurance industry in 1981 and founded Central States Insurance Services, Inc. (LTC Solutions), a national long-term care insurance brokerage. He holds the CLTC (Certified in Long-Term Care) and LTCP (Long-Term Care Professional) designations and is an approved Florida insurance continuing-education instructor. His extensive experience includes long-term care insurance underwriting and brokerage, hybrid and asset-based long-term care solutions, multi-life and small-business group coverage, and education for both consumers and insurance professionals.Through Funding Dependency, George brings decades of experience to a straightforward educational platform focused on helping people understand their choices before a long-term care need arises. His approach emphasizes education and preparation, recognizing that planning ahead can provide individuals and families with more options and greater flexibility when addressing the potential costs of long-term care.Funding Dependency is designed to help consumers, families, and professionals better understand the relationship between long-term care needs and the resources available to help pay for them. By providing accessible information about multiple funding strategies, the organization encourages proactive planning and informed decision-making for the future.