Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                  
 February, 2011
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In This Issue
Article Headline
Featured Article
A Lower-Cost Long Term Care Insurance Policy

Snorkeling in blue water 

Ray Smith
Photo, Ray Smith
 
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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!  
To better manage the time needed to create this eNewsletter every month, I have decided to combine the Advisor and Personal editions.  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 comments will be taken seriously.  Thank you for your continued support. 
A Lower-Cost Long Term CarWoman gardeninge Insurance Policy
I am always on the lookout for innovative solutions to the problem of paying for long term care services.  Recently approved in Colorado...Read more 
Rate Classes: Is "Preferred" always preferred?  
Not always.  Rate classes vary widely among...           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