Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                   Personal edition
December, 2010
 
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In This Issue
Article Headline
Featured Article
Turmoil in the Long term Care Insurance Industry?

 

What is going on?
Ray Smith
Photo, Ray Smith
 
Quick Links...
Our Website
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Archive Earlier eNews-letters & articles
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 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.
The Long Term Care Specialist wishes you & your loved ones a happy, healthy and prosperous 2011.
Turmoil in the Long Term Care Insurance Industry?

John Hancock Life Insurance Company seeking a 40% average rate increase on older policies!  Met Life to stop selling long term care policies!  Genworth asks for an 18% rate increase on older policies!  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