Paying for long-term services and supports is one of the largest unmanaged financial risks older adults face. By supporting independence proactively, we can often delay or avoid the significant costs associated with facility-based care. Givens Choice is different from long-term care insurance. Our membership integrates funding with proactive care management to bring structure, guidance, and confidence to aging at home. For those with existing long-term care insurance policies, Givens Choice supplements that coverage to create a more complete plan focused on maintaining independence, not just funding supports.