November is National Family Caregivers Month. Most people will need some form of long-term care during their lifetime. Planning ahead and purchasing long-term care insurance is one way to help cover the financial burden when the need for care arises.
Tanya Fernandes is CEO of Hoʻokele Home Care, one of the state’s largest licensed home care agencies serving families on Oʻahu and Maui.
She sat down with The Conversation to highlight some common challenges. Fernandes warns that as a family caregiver, don’t get hit by hidden costs and waiting periods; be savvy about actions to take before triggering the policy.
This story aired on The Conversation on Nov. 25, 2025. The Conversation airs weekdays at 11 a.m.
