Very few of those who enroll in the Federal Long Term Care Insurance Program know what long-term care is and how to get the greatest benefit from it, says Mary Lou McGuinness, a nurse and care coordination director for FLTCIP. To avoid the emotional toll on caregivers charged with making decisions about a loved one’s care, McGuinness suggests taking advantage of the program’s advance care-coordination services. This can alleviate some of the stress involved in decision making. Coordinators – all registered nurses with long-term care experience – can provide general information, assessment and approval of the need for long-term care and help develop a care plan. Enrollees are assigned a coordinator who will monitor and reassess the services being provided and facilitate access to discounts for services when available. The coordinators also check the licenses of long-term care facilities.