Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                   Personal edition
November, 2010
 
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In This Issue
Article Headline
Featured Article
Policy Design Decisions: "Pool of Money"

$100 bills 

What is the long term care insurance policy Pool of Money & why is it a better measure of policy benefits than Benefit Period?
Ray Smith
Photo, Ray Smith
 
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AALTCI American Association for Long Term Care Insurance 
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Colorado Division of Insurance Long Term Care section 
Medicare The official US Government Medicare website
Greetings!
Thank you for reading what I hope is a relevant and informative monthly email newsletter.  I welcome and actively encourage your feedback.  Please send your questions and comments to me at LTCguy@comcast.net 
 
The cost of needing Long Term Care services is enormous...both in actual dollars and more importantly, in family relationships.
 
Long term care insurance is not always the best solution to the long term care services problem, but planning always is.
Wishing You & Yours a Thankful Thanksgiving

We all have much to be 

thankful for.  Take some time to think about it...     You will feel and be better because of it.  

Policy Design Decisions: "Pool of Money" 
This is the first in a series or articles about designing a long term care insurance policy...Policies are most often presented as having a "Benefit Period" of... Read more
A Better Way to Self-Insure
People sometimes tell me they will self-insure (use existing assets) against the risk of needing long term care services.  Individuals with a net worth of at least...Read more
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

© Raymond Smith, The Long Term Care Specialist, 2010