Your Team of LTCEPP® Specialists
Through an affiliation with ClaimJockey, a nationwide LTC insurance claims assistance agency, this team of specialists have the resources and expertise to assist families with existing LTC policies to understand their coverage and complete/submit the required paperwork for timely processing at claim time and provide effective management throughout the extended claim period.

Click on a Specialist below to view their biography.
Edward C. Althof
Edward C. Althof
CLU, CEBS, CLTC
(814) 833-5433
ealthof@LSinsure.com

Ed started his Employee Benefits career in 1974. In January 1989, he became Principal and Vice President of Loesel-Schaaf Insurance Agency. Ed’s professional designations include Chartered Life Underwriter (CLU), Certified Employee Benefits Specialist (CEBS) and Certified in Long-Term Care (CLTC).

Ed serves on the boards of Presbyterian Homes and Family Services of Northwest Pennsylvania. He is a Corporator of both Saint Vincent Health System and UPMC Hamot Medical Center. He is particularly proud to be a 85+ gallon apheresis donor with the Community Blood Bank.

For the past nine years, Ed’s specialty has been educating people regarding Long-Term Care Planning. This change in specialties came about due to some family caregiving issues over many years.

To speak with Ed (814) 833-5433 ealthof@LSinsure.com

Debbie Dare
Debbie Dare
CLTC, LTCP

Since 1988, Debbie’s professional experience has been focused on long-term care insurance. She was instrumental in designing and growing a prosperous LTC insurance brokerage house in the 80's. While working with the brokerage house, Debbie served as a trainer for agents/brokers in the education of LTC issues. She assisted insurance companies with product design, policyholder service procedures and marketing concepts for educating consumers. Additionally, her experience included working with home health care agencies, assisted living and continual care retirement communities. There, she expanded her knowledge regarding Medicare/Medicaid issues and gained invaluable insight as to how these and Long Term Care Insurance  products are viewed by health care providers; home health care agencies, assisted living communities and nursing homes.

Debbie recognizing a dire consumer need for superior consumer attention, counsel, services / product offering founded CaringPlans Associates. Debbie is a strong advocate of “education first – product second” and has a trademarked Long Term Care Education and Planning Program (LTCEPP®) which has educated thousands of consumers, and their families,  both individually around the kitchen table, and in board and meeting rooms of small, mid and large size employers and associations.

Educating consumers as to the need to plan for long term care is a core belief of Debbie’s.  Assuring that they have access to the best product based on their health and finances is her objective.

Debbie and her husband of 42 years, Richard, live in Harrisburg, pa.  Close to her daughter Brandy Kanode and son, Chad Dare.  Both of her children are married and have given her three, gorgeous grand girls, McKenna Irene Dare, Cadence Dare Kanode and Lyla Grace Kanode.

To speak with Debbie 717-514-1242 caringplans@comcast.net

Michael Ocilka
Michael Ocilka
CLTC
(412) 848-1065
mocilka@LSinsure.com

Michael Ocilka, CLTC, is a Certified Long-Term Care Education and Planning Specialist and has more than 20 years of combined experience in the insurance and related marketing industries.  Michael works with individuals, employer groups, and associations in providing long-term care (LTC) education, planning options, and claims assistance to people of all ages. He believes that everyone deserves long-term care education and everyone needs to have an LTC plan. And when appropriate, selecting insurance as part of the plan should be an informed decision.

A personal experience with his mother forced him to realize first-hand the impact of caregiving for a loved one and the consequences of not planning properly. Because of this experience, he is now a passionate advocate of the need for LTC outreach, education, and planning.

Michael is co-creator of LTCEPP® (Long-Term Care Education and Planning Program).  LTCEPP® focuses on raising awareness of the need to address and plan for long-term care and the emotional, physical, and financial consequences on those you love the most when you don’t plan. 

LTCEPP® outlines the consequences of living a long life and the risks, costs, and impact of LTC, the available options when care is required, and the impact of caregiving. The key question that LTCEPP® prompts you to ask is: “What is my plan to protect my most important asset – my family?”

LTCEPP® is accredited for CEUs through the NASW and CLEs through the Erie and Washington County Bar Associations.

Michael welcomes the opportunity to assist you and your family in one of the most important decisions of your lives.

To speak with Michael (724) 212-3707  mocilka@LSinsure.com

Joel J. Waldman
Joel J. Waldman
DMD, CLTC
(814) 833-5433
jwaldman@lsinsure.com

The only word you can use to describe Joel’s work in long-term care is… passionate. Joel witnessed first- hand the effects of one parent needing around the clock care and the other being the primary caregiver. His father had a failed hip replacement, necessitating its total removal .For six years his mother pretty much took care of her husband and the incredibly painful wound site that never healed. After Joel’s dad passed away, his mom who was a strong willed woman fell down the stairs a number of years later and broke her own hip. Seeing what her husband went through, she stopped eating and drinking, dying a few weeks later.

Joel is married with five incredible children, a son-in-law and one grandchild. He was a dentist for thirty-three years until a neurological condition affecting his hands forced him to discontinue practice. He graduated with college academic honors, was captain of his tennis team and was a member of tri-beta biological honor society. Joel has been on the board of numerous civic and religious boards, many in leadership positions. Joel proudly accepts the challenges of having been chairman of the Relay for Life in Erie from its inception for six years.  When planning for long term care, Joel’s passionate and personal experience belief is “You need to prepare for your future”

To speak with Joel 814-833-5433  jwaldman@lsinsure.com

Lewis Ingles
Lewis Ingles
LUTCF, CLTC

Lewis has been in the financial services industry for the last 25 years. His passion is helping individuals and families with their financial planning needs. He also enjoys working with businesses and helping them with employee benefit solutions and solving employee benefit needs.

Lewis has worked in long-term care with my business partner for the past 16 years. After extensive long-term care planning experience with his own parents, he saw the negative effects of not having a plan in place. Lewis is dedicated to helping individuals, families and businesses with long-term care planning needs; and our company, Long-term Care Planning Plus, is dedicated to this.

To speak with Lewis (717) 364-5861 lewis.ingles@comcast.net

James Ritchey
James Ritchey
LTCEPP Specialist
(717) 371-2367
jamesrit@comcast.net

Jim, a native of Lancaster, Pa. and a graduate of Lancaster McCaskey H.S., and Bloomsburg University, has been helping families and corporations in the areas of Insurance and Financial Services since 1988.  At the time that his father developed a series of strokes and the responsibility of care fell on the family, Jim discovered just how devastating a long term illness can be on the caregiver(s).  It was during this time that solidified in Jim’s mind the need to specialize in this field.  Jim believes that education is the key to helping families prepare for the potential loss of independence and the emotional, spiritual and financial effect an extended illness can have on a family.   Jim believes that it is important to partner with a family’s existing trusted advisors to help develop solutions to this problem,  some which may involve insurance programs.  Jim and his wife Suzanne have 4 children, and are active in their local homeschool association and church where they serve as youth leaders and serve on the missions team.

To speak with Jim (717) 371-2367 jamesrit@comcast.net

Kendra White
Kendra White
MS, MCHES
(412) 478-4155
Kwhite@LSinsure.com

Kendra has diverse experiences in health care, gerontology and long term care.  She received a Bachelors degree in public health and gerontology and a Master’s Degree in Administration of Aging Organizations & Gerontology.  For the past 15 years Kendra has worked in various capacities in the community and with older adults promoting health and wellness.  Health and wellness education is her passion.  In 2008 she was instrumental in bringing the Powerful Tools for Caregivers program to the Pennsylvania region.  This program focuses on caregivers taking care of themselves, which is an increasingly dramatic health care disparity.

Kendra’s work experience includes independent retirement communities, nursing homes, assisted living, and the Medicare insurance industry.  She has also been involved in various research projects focused on long term health of older adults, caregiving and wellness, resulting in numerous publications.  She serves on the board for Hope Grows, a non-profit caregiver resource organization.

Kendra values the importance of having a long term care plan after her involvement in family caregiver and long term care situations, as well as her professional experience.

To speak with Kendra (412) 478-4155   Kwhite@LSinsure.com

John Gibbel
John Gibbel
CSA

John’s background includes a unique mix of education, insurance, and long term care experience.  With a BA in Secondary Education & History (Houghton College), he had the rewarding challenge of 2 formative years in the classroom.  In 1995, he secured his insurance licenses and became 4th generation in family-owned Gibbel Insurance Agency.  (John recognizes that being 4th generation is not an option unless some courageous & committed people have gone before you—for this he is forever grateful.)  While with Gibbel Insurance, he became certified as a personal coach, a resource that has proven valuable in communication--particularly with regards to discovering the needs and preferences of the clients and families that he serves. 

Since 2009, as co-owner of Home Instead Senior Care in Lancaster County, he has had the privilege of hundreds of “kitchen table” conversations with families seeking care solutions for loved ones.  With an authentic passion for people, John is dedicated to finding solutions that align with an individual’s values while genuinely meeting their needs. 

John has been married to his wife Laureen, a Registered Nurse turned Interior Designer, for 22 years.  Foster care and adoption has played a part in forming their family of 8.  Legacy is near to his heart.   Together they value being part of the church family of Life Center in Harrisburg.  When not investing vocationally, John values quiet evenings away with Laureen and just about any kind of outdoor adventure with their 4 daughters and 2 sons from canoes to campfires. He is honored to serve on the board of Brethren Village, a long-established not-for-profit Continuing Care Retirement Community as well as the ministry of Love, INC, a non-profit affording church members the opportunity to practically serve and meet the needs of those in their community. 

John acknowledges that although life routinely feels complex, solutions can often be simple...and, gratefully, having a well-versed advocate in your corner brings HOPE!


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