Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                   Advisor edition
November, 2010
 
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In This Issue
Article Headline
Featured Article
A Better Way to Self-Insure
 
Combination annuity/long term care, & combination life insurance/long term care insurance.  A good idea for a particular demographic.
Ray Smith
Photo, Ray Smith
 
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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 this issue (Advisor edition) of what I hope is a relevant and informative monthly eNewsletter.  I welcome and actively encourage your 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.
 
Wishing You & Yours A Meaningful Thanksgiving

   

CornucopiaThink about it for just a few moments...     You and I and everyone we care about have much to be thankful for.

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    

Long Term Care Insurance Deduction Limits Update

 

"Eligible Long Term Care Insurance Premiums"

           

Attained Age at End

of Taxable Year            2010            2011

Age 40 or less           $   330         $   340

Ages 41 - 50             $   620         $   640

Ages 51 - 60             $ 1,230        $ 1,270

Ages 61 - 70             $ 3,290        $ 3,390

Age 70 or more        $ 4,110        $ 4,240 

 

See the September, 2010 Advisor Edition for more details.  Better yet, see your tax advisor.              
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