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Are you prepared for the Long-Term Care Crisis?

At Long-Term Consultants we offer expert Long-Term Care services for brokers, businesses, and individuals.

Schedule Your Consultation Today

Are you prepared for the Long-Term Care Crisis?

At Long-Term Consultants we offer expert Long-Term Care services for brokers, businesses, and individuals.

Schedule Your Consultation Today

Our Story

Long-Term Consultants was founded by a team of seasoned professionals—Matthew Berger, Angela Umosella, Michael DeSarno, and Melissa Ingram— who all share a personal connection to the long-term care crisis that's unfolding across our country.

Each member of our founding team has watched a love one struggle with realities of aging, illness, or mental health challenges that required long-term care. Those deeply personal experiences revealed a hard truth: too many families and businesses are left unprepared, unsupported and uninformed when it comes to long-term care solutions.

Matthew and Angela, both former executives at a Fortune 500 insurance company, saw firsthand how even the biggest organizations were falling short in addressing this growing crisis. Melissa, a nurse with extensive long-term care and family caregiving, understood the issue from inside the healthcare system. Mike DeSarno, who had built his own successful insurance agency in New Jersey—and had worked with Matt and Angela early in their careers— saw the gap in service for small and mid-sized businesses.

Together, they made a bold move. Matt and Angela left their corporate careers and partnered with Mike to launch Long-Term Consultants; a mission-driven firm focused on providing guaranteed-issue life insurance with long-term care benefits to businesses of all sizes—small, medium, and large. Melissa joined as Director of Benefit Communication, bringing her clinical knowledge, caregiving experience, and unmatched ability to communicate complex topics with compassion and clarity.

We believe access to long-term care coverage shouldn't be a luxury—it's a necessity. We educate brokers, empower businesses, and support individuals with meaningful solutions that offer protection, dignity, and peace of mind. We're also here to help businesses add revenue through strategic benefit offerings and stay ahead of legislation and market changes.

With over a century of combined experience in insurance, healthcare, and communication, our team has partnered with the top insurance and benefits communication firms in the country. Every one of our Benefit Communication Managers come from the nursing field, ensuring that employees do not just get information—they get real, human understanding.

This is more than a benefits firm. It is a movement to fix a broken system—and ensure that every American has access to long-term care solutions, no matter where they work.

We are Long-Term Consultants, and we are here to help.

Our Mission

Our mission is to empower businesses of all sizes with long-term care and life insurance solutions. We deliver Fortune 500-level product options paired with exceptional benefit communication and enrollment services, ensuring employees and employers alike are equipped with the tools and resources to make informed, confident decisions.

Services

Long Term Care Management

Mental Health & Virtual Care Solutions

Employer Engagement Consulting

Employee Advocacy Support

Broker Plans

High Market Demand

This is your moment to lead with value. LTC plans are becoming a key piece of financial and retirement planning conversations. Brokers who offer these solutions gain an edge by addressing one of the biggest gaps in coverage today. You’re not just selling a policy—you’re solving a problem most people don’t even know they have until it’s too late.

Valuable Client Solutions

Long-term care is no longer a hard sell—it’s a growing priority for individuals, families, and businesses. For brokers, this shift represents a clear opportunity. As awareness increases and traditional health plans fall short, clients are looking for advisors who can offer real solutions.

Business Growth Opportunity/Increasing Revenue

Adding long-term care with our portfolio gives you exclusive underwriting offers, a competitive advantage, strengthens client relationships, and opens doors to new markets—especially as employer-sponsored options and hybrid policies gain traction.

Business Plans

In-Demand Benefit

Employees are looking for more than the basics in today’s benefits packages. Long-term care insurance is quickly rising to the top of that list. With rising healthcare costs and growing awareness, workers want protection that goes beyond what traditional health plans cover.

Stronger Workforce

Long-term care benefits help attract and keep top talent. They support employees at all stages of life and show that your company is thinking ahead—not just about work, but about family, health, and financial security. That kind of support builds loyalty and long-term engagement.

Simple & Flexible Setup

LTC coverage is simple to implement and flexible in design. Plans can be employer-paid, voluntary, or a mix of both. Many options include coverage for spouses and family members. With minimal admin and no medical exams in group settings, it's a hassle-free way to add real value.

Individual Plans

Care That Fits You

Long-term care insurance gives you options—so you get the care you need in the way that works best for you. Most plans cover home care, assisted living, or facility care, allowing you to stay in your own home longer if you choose. It's personalized support, not one-size-fits-all.

Protect Family Finance

Without coverage, care costs can wipe out your savings or force your family to step in financially. LTC insurance protects your retirement, your assets, and your loved ones from the emotional and financial strain of unexpected care needs. It keeps your future secure—and theirs too.

Plan on Your Terms

Buying coverage while you're younger and healthier means lower costs and more flexibility. You lock in control over your care before you're in crisis. It's not just planning for the unknown—it's taking charge of your future with confidence and dignity.

Are you prepared for the Long-Term Care Crisis?