Logo, The Long Term Care Specialist 
   Long Term Care Planning
                   Advisor edition
July, 2010
 
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In This Issue
Article Headline
Featured Article
What Exactly is Long Term Care?

Man eating breakfast on porch

Long Term Care is not medical treatment.  Yet most people will live long enough to need it.
Ray Smith
Photo, Ray Smith
 
Quick Links...
Our Website
About Us 
AALTCI American Association for Long Term Care Insurance 
Alzheimer's Assoc. Good website for information about Alzheimer's
CLTC The Corporation for Long-Term Care Certification, Inc. 
Colorado Division of Insurance Long Term Care section 
Medicare The official US Government Medicare website
Greetings!
Thank you for reading the second issue (Advisor edition) of what I hope is a relevant and informative monthly eNewsletter.  I welcome and actively encourage feedback.  Please send your questions and comments to LTCguy@comcast.net 
 
Your client relationships are the lifeblood of your business.  Let me help you reinforce those relationships by adding professional Long Term Care planning to what you offer.  Your clients will appreciate it...and they won't look elsewhere.
 
Long Term Care insurance is not always the best solution to the Long Term Care problem, but planning always is.
 
What Exactly is Long Term Care?
5 people around table
Let me begin by saying what Long Term Care is not.  Acute medical care is not Long Term Care.  If you...
The Continuum of (Long Term) Care
Long Term Care services are provided in a variety of environments.  While no one can predict how much care any of us will need or when we will need it, there is a somewhat typical progression.  Home Care: The least restrictive...    
A financial plan that doesn't address how long term care services will be paid for is not a complete financial plan. 
Sincerely,
 Ray Smith
 Raymond Smith, CLU, CLTC, MBA
The Long Term Care Specialist