Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                  
January, 2011
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In This Issue
Article Headline
Featured Article
Hands-on Caregiver or Care Advocate?

Care advocate with Mom 

Ray Smith
Photo, Ray Smith
 
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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!  
This first edition of the New Year marks a format change.  Looking back at the separate Advisor and Personal editions I have published since June, 2010, the articles have been mostly the same for both.  To better manage the time needed to create this eNewsletter every month, I have decided to combine both editions.  I will send a special issue to either my advisor or general public readers on those rare occasions when I have an article that applies uniquely to one group.  Writing this eNewsletter is hard work, but I enjoy doing it and absolutely thrive on your feedback.  So keep those comments, good or bad, coming.  Either call or email me at LTCguy@comcast.net.  You can be sure that any feedback will be taken seriously.  Thank you for your continued support. 
Hands-on Caregiver or Care Advocate?
When a parent needs ongoing help getting through the day, the family often decides to provide needeDad & care advocate daughterd home care themselves.  More accurately, an adult daughter or daughter-in-law usually becomes the hands-on caregiver. Read more 
New for 2011: Licensing of Colorado Home Care Agencies
As of January 1, 2011, all Colorado home care agencies must be licensed.  This is a good thing for...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, 2011