Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                  
 August, 2012
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In This Issue
Article Headline
Featured Article
 
Couple with stair chair
   Stair Chairs 

Ray Smith photo 

 Links...
My Website More about Long Term Care & me
Archive Earlier eNews-letters & articles
AALTCI American Association for Long Term Care Insurance 
CLTC Corp. for Long Term Care Certification 
Colorado Division of Insurance Long Term Care section of website 
Kiplinger's Magazine: A succinct look at long term care. Turn on sound & ignore surrounding advertising.
Medicare The official  Medicare website
You Tube Why I Do What I Do  

Thank you for again reading this eNewsletter.  I thoroughly enjoy writing it even though the monthly deadlines seem to creep up on me.  Please keep your comments...both positive and negative... coming.  Suggested topics are always appreciated.  Your responses help me maintain my commitment to creating a new newsletter each and every month.

On a personal note, my home (and office) is now powered by solar electric power.  Ask me about my Xcel Energy bill.

What is a Stair Chair? 

My mother had become progressively weaker as a result of her battle against lung cancer.  Even with 24/7 home care, Mom soon reached the point where she could no longer handle (even with the help of her live-in aide) the short flight of stairs between her upstairs bedroom and the lower living room and kitchen level.  What to do?  

Our Geriatric Care Manager suggested having a stair chair installed.  It was done.  The stair chair, also called a stair lift, gave Mom the ability to again enjoy her entire home instead of being confined to the bedroom.  Take a look at the short video below to see how a stair chair can solve what many think to be an unsolvable problem.

Bruno Elan Stair Lift by Accessible Systems.avi
Bruno Elan Stair Lift by Accessible Systems.avi

Many long term care insurance policies can cover the cost of a stair chair.  Full disclosure: I have no connection with the Bruno Independent Living Aids, Inc. (www.bruno.com) but thought their video did a great job of explaining stair chairs.  

 

Some (not so) Trivial Long Term Care Insurance Facts  The Elimination Period is really the "deductible for a long term care insurance policy.  It is measured by the number of days...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
 303-699-4172

© Raymond Smith, The Long Term Care Specialist, 2012