About Kiersten

Allow me to take a few minutes to celebrate this very extraordinary woman. Kiersten She's been fantastic — a true game-changer. Within my own profession of 45+ years licensed in health, life, and VUL (National, NV/TX/AK), I've watched one truth never change: our healthcare system rewards being healthy and punishes being sick. The Catch-22: You must prove you're well to get coverage, then prove you're disabled to collect on it later. Standard health insurance never covered this gap — assistance care, custodial care, and nursing home care were carved out from day one, pushed into separately-sold LTC policies LTC underwriting is designed to reduce insurer liability, not senior liability — insurers can deny applicants outright for pre-existing conditions during underwriting, even though about a third of people in their 50s already carry a condition that can disqualify them . Although retired past 10yrs I'm referencing true facts of flaws surmised of then? Yet? Still the same today.The result: decades of premiums, zero cash value, and a mountain of doctor/hospital documentation demanded before a claim ever pays — profitability protected, people left exposed. Enter Kiersten vibrant very supportive & very instinctive in one package. Now let's add: Enter Care.com. It's not insurance and it's not pretending to be. It's a direct marketplace connecting families to real caregivers for the exact custodial care Medicare, Medicaid, and private insurance all refuse to touch. That's the void — and that's exactly where Kiersten lives and works. Kiersten isn't just skilled, she's the kind of caregiver this broken system desperately needs more of — and services like this are only going to grow as more families discover insurance alone was never going to save them. And Trust Me; I'm that professional licensee earned by education and a ton of 80% or better passing all those tests earning my stature to by qualified to say. Both enlightening Care dot com and so far one of its besties Kiersten. Both amazing spirits see the needs of people, human beings! Whom now work in its progress & beginning have filled an HUGE void within highest needs overlooked and never filled until now! This is the very short version regarding lives matter and profitability has shorten many lives. Thank You Kiersten & Care dot com

Douglas T.

8/28/2026