--- title: "Preemptive Strike: Preparing for the Coming Wave of Claims" description: In his recent Broker World article, “Preemptive Strike,” NAIFA member Ronald R. Hagelman urges advisors to prepare now for a massive demographic shift as Baby Boomers transition from accumulation to distribution and claims. image: https://lhc.naifa.org/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20professional%20seminar%20setting%20with%20a%20group%20of%20engaged%20attendees%20seated%20in%20a%20modern%20conference%20room%20A%20large%20screen%20at%20the%20front%20displays%20%20vibrant%20graphics%20illustrating%20longterm%20care%20options%20The%20audience%20a%20diverse%20mix%20of%20seasoned%20ins-2.png --- [**](https://lhc.naifa.org/lecpblog/preemptive-strike-preparing-for-the-coming-wave-of-claims#tmpmodule_1610372601348145) - [Join](https://belong.naifa.org/join) - [Renew](https://community.naifa.org/login.aspx) - [Find an Advisor Pro](https://findapro.lifehappens.org/) **** [![belong.naifa.orghs-fshubfslogo_NAIFA_white](https://lhc.naifa.org/hs-fs/hubfs/social-suggested-images/belong.naifa.orghs-fshubfslogo_NAIFA_white.png?width=140&height=109&name=belong.naifa.orghs-fshubfslogo_NAIFA_white.png) ![logo_NAIFA_NEW](https://lhc.naifa.org/hs-fs/hubfs/logo_NAIFA_NEW.png?width=100&height=73&name=logo_NAIFA_NEW.png) ](https://lhc.naifa.org/) [**](https://lhc.naifa.org/lecpblog/preemptive-strike-preparing-for-the-coming-wave-of-claims#tmpmodule_1610372601348145) - [Centers Home](https://centers.naifa.org/centers) - [LHC Home](https://lhc.naifa.org) - LHC Collectives - [Limited and Extended Care Planning Collective](https://lhc.naifa.org/lecp) - [Medicare Collective](https://lhc.naifa.org/medicare) - Advisory Councils - [Limited and Extended Care Planning Advisory Council](https://lhc.naifa.org/advisory-council) - [Medicare Advisory Council](https://lhc.naifa.org/mc-advisory-council) - Advocacy - [Limited and Extended Care Planning Legislative Working Group](https://lhc.naifa.org/legislative-working-group) - [Medicare Legislative Working Group](https://lhc.naifa.org/medicare-legislative-working-group) - [Advocacy Action Center](https://advocacy.naifa.org/news) - Events - [Inside the New NAIFA Medicare Collective Working Group webinar recording](https://vimeo.com/1211793994/19889c51bc?share=copy&fl=sv&fe=ci) - [Medicare Collective Impact Day 2026 Recording](https://belong.naifa.org/navigating-disruption-and-market-contraction-in-medicare-business-in-2026-and-beyond) - [Peak 65 Series: Impact Day for Lifetime Healthcare Recording](https://lhc.naifa.org/peak65) - [Limited and Extended Care Planning Archives](https://lhc.naifa.org/archives) - [2025 LECP Impact Day Recording](https://vimeo.com/1138688419/b50a406b29?share=copy&fl=sv&fe=ci) - [LHC Webinars](https://lhc.naifa.org/archives) - Blogs - [Limited and Extended Care Planning Blog](https://lhc.naifa.org/lecpblog) - [Medicare Blog](https://lhc.naifa.org/mcblog) ** ![LHC-header](https://lhc.naifa.org/hs-fs/hubfs/LHC-header.png?width=1920&height=960&name=LHC-header.png) # **Limited and Extended Care Planning Collective** The LECP Collective empowers professionals to network with solution and service providers to share best practices, directly access subject matter experts, research, training and resources; and provide thought leadership so we may continue to address the changing needs of the market. ###### 1 min read # [Preemptive Strike: Preparing for the Coming Wave of Claims](https://lhc.naifa.org/lecpblog/preemptive-strike-preparing-for-the-coming-wave-of-claims) By [NAIFA](https://lhc.naifa.org/lecpblog/author/naifa) on 11/5/25 1:45 PM ###### Topics: [Long-Term Care Insurance](https://lhc.naifa.org/lecpblog/topic/long-term-care-insurance) ![](https://lhc.naifa.org/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20professional%20seminar%20setting%20with%20a%20group%20of%20engaged%20attendees%20seated%20in%20a%20modern%20conference%20room%20A%20large%20screen%20at%20the%20front%20displays%20%20vibrant%20graphics%20illustrating%20longterm%20care%20options%20The%20audience%20a%20diverse%20mix%20of%20seasoned%20ins-2.png) In his recent *Broker World* article, [“Preemptive Strike,”](https://brokerworldmag.com/preemptive-strike/) NAIFA member Ronald R. Hagelman urges advisors to prepare now for a massive demographic shift as Baby Boomers transition from accumulation to distribution and claims. The long-term care and asset protection markets are entering a new era, one defined less by policy sales and more by client service, advocacy, and claims management. Hagelman notes that many legacy long-term care policies were built for a different time, with assumptions about pricing, care settings, and longevity that no longer match today’s realities. Advisors, he argues, must evolve from simply helping clients *buy coverage* to ensuring they understand and can *use* it effectively when claims arise. Managing the claim, not just processing it, has become central to delivering true client value. He calls on advisors to take a “preemptive strike” approach: review existing policies, strengthen relationships with clients’ families and caregivers, and build the infrastructure to coordinate claims when the time comes. 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