1. Linda Tsironis Caruthers, CSA, LTCP
Long-Term Care Consultants, Inc.
9100 Arboretum Parkway, Suite 180
North Chesterfield, Virginia 23236
Phone: 804-306-0016
Fax: 888-877-6625
Email: Linda@ltccinc.com
Web Site: www.LTCCINC.com
Professional Profile
I specialize exclusively in long-term care planning and to build long-term relationships based on
accountability, reliability and integrity. As an independent managing general agent, I educate clients on the
concept, not on a specific product. I tailor the product to fit individual needs and financial circumstances.
Designations/Skills
 Independent Insurance Managing General Agent
 Certified Senior Advisor (CSA) designation from the Society of Certified Senior Advisors in 2006
 Long-Term Care Professional (LTCP) designation from America’s Health Insurance Plans (AHIP) in
2005
 Long Term Care Insurance Employer/Employee Benefits Specialist
 Relationship Building
 Business Development
 Long Term Care Insurance Trainer and Instructor
Achievements
 Recognized long-term care insurance and planning leader in the Greater Richmond area
 Founder and CEO of Long-Term Care Consultants, Inc., Richmond’s only dedicated long-term care
insurance agency providing long-term care planning and caregiver support resources to individuals
and employer groups
 Published author of several magazine articles focused on long-term care insurance and planning and
cited expert in long-term care planning in article in Virginia Business Magazine, "Business Trends:
Healthcare, An Industry Makeover, Genworth Financial"
 While serving as Dental General Agent for the Medical Protective Company, increased company's
market share from a few policies to several hundred policies and made office package policies
available to policyholders for the first time
Trainer-Instructor Experience
 Have developed online agent training course for the "LTC Worksite Boot Camp" for LTC Connection
 University of Richmond, Osher Lifelong Learning Institute, "Understanding Long Term Care Planning
and Insurance Options," Instructor for Winter and Spring 2016 Schedule of Classes
 Trainer for LTC Connection providing continuing education instructor for insurance agents’ and
financial planners’ mandatory Commonwealth of Virginia, DRA, NAIC, & LTC Partnership Training
from 2009-Present
 Instructor with Chesterfield County Virginia Public Schools Adult Continuing Education serving as
Long-Term Care Insurance and Medicare instructor providing guidance on long- term care planning,
traditional Medicare, Medicare Advantage and Prescription Part D from 2006-Present.
Memberships
 President, Central Virginia Chapter Women in Insurance & Financial Services Chapter, Present
 Board of Directors, Central Virginia Health Underwriters Association, 2013-2015
 Chesterfield Council on Aging, 2006 to Present
 American Association of Long-Term Care Professionals, 2006-2015
 Richmond Senior Network, 2008 to 2014

2. Work Experience
CEO and Founder - Long-Term Care Consultants, Inc. North Chesterfield, VA - 2002-Present
 Founded Long-Term Care Consultants, Inc. (LTCCINC) in 2004 utilizing my expertise and successfully
developed the company so that it is Richmond’s only dedicated long-term care insurance agency
providing long-term care planning and caregiver support resources to individuals and employer
groups
 We partner with health insurance brokers, estate-planning attorneys, financial planners and
employers assisting individuals with long-term care planning
Long-Term Care Insurance Specialist – State Farm Insurance Company – North Chesterfield, VA 2001-2002
 Provided long-term care insurance education and awareness to State Farm Insurance clients
 Sold the State Farm Long-Term Care Insurance Policy to company's clients
Director, The Medical Protective Company, the Servicing Carrier for the Virginia Medical Malpractice Joint
Underwriting Association (JUA), Richmond, VA, 1986-2001
 Managed JUA's operations, which was formed in 1986 to provide professional liability to Virginia
physicians and surgeons who were otherwise unable to obtain coverage, at the company's offices in
Richmond
 Provided services to JUA Board and its various committees
 Acted as liaison between Medical Protective, the Board, JUA counsel and the Bureau of Insurance
 As JUA decreased in size, took on additional duties marketing professional liability insurance to
Virginia dentists
 Served as Dental General Agent for the entire state of Virginia
 Served as General Agent for Medical Protective Company - one of two in the Commonwealth of
Virginia