Interview with Rhonda Vry-Bills, Senior CLTC Instructor
Understanding the Need for Long-term Care
As families prepare for retirement, one of the most overlooked yet critical aspects of planning is how to handle long-term care. I recently spoke with Rhonda Vry-Bills, a seasoned CLTC instructor, about a compelling case that brings the issue into sharp focus.
“I just had a relatively new appointment with this couple,” Rhonda shared. “They’re getting ready to retire and are in the process of building a new home. At the same time, their daughter is building a house in another state, and the couple plans to have their own suite in the basement.”
It’s a setup that offers independence while staying close to family support—a balance many aging couples hope for. As Rhonda explained, “They’re looking to establish a long-term care plan to prepare for the future.” It’s a wise move, especially considering the unpredictable nature of health and aging.
The Risks of Waiting Too Long
One complexity this couple faces is a disparity in health between the spouses. “Even though the wife is remarkably healthy,” Rhonda noted, “she’s considering waiting to plan until her husband loses some weight.”
While understandable, Rhonda urges caution. “Waiting poses significant risks. Female rates are already about 40% higher than male rates, and delaying another year or two doesn’t guarantee either spouse’s health will remain stable.” Insurance carriers also have the power to change rates and underwriting guidelines with little warning, which could dramatically affect eligibility or affordability down the road.
A Financial Parallel Everyone Understands
To illustrate her point, Rhonda drew a relatable comparison: “It’s like college textbooks. My old books were much cheaper than what my daughter is paying now—even when the content hasn’t changed much. Time alone drives up the cost.”
It’s a reminder that waiting for the “right” moment can lead to higher premiums, stricter health underwriting, or even missing the window altogether.
Plan While You Can, Not When You Must
This couple’s story echoes the importance of acting during the planning phase of retirement—not after a crisis or diagnosis forces your hand. A proactive approach secures more favorable options and gives families peace of mind as they step into a new season of life.
Rhonda’s story is one of many that highlight the pressing need to explore long-term care planning early, while options are still on your side.
Mark Rogers is a Certified Long-term Care Specialist since 2008 and hosts the“Talking Turning 65″ podcast, live streaming on YouTube, Facebook, and other platforms.