Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                  
 October, 2012
You are receiving this eNewsletter because you have told Ray Smith, The Long Term Care Specialist that you want to.  If you do not wish to receive future monthly issues, please click on "Safe Unsubscribe" at the bottom of this page and your name will be removed from our distribution list.
In This Issue
Article Headline
Featured Article
 
   Short Term Care insurance revisited

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 continuing to read this eNewsletter.  A special welcome to our new subscribers.  Please do feel free to forward any monthly issues you think may be of value to friends or colleagues.  Feedback is always encouraged.  This month I especially invite you to challenge my analysis of why it always costs more to wait before applying for long term care insurance.

Coming soon: Look for an updated website.

Please remember to "fall back" (set your clocks back an hour) on November 4, 2012 when we go off Daylight Savings Time. 

Short Term Care Insurance Revisited: My Wife & I Bought It Ourselves 

Here is an update on a new kind of emerging care insurance...to pay the cost of short term, or recovery care.  Policies are far less expensive... Read More 

 

 

5 Reasons To Buy Long Term Care Insurance Now (instead of later)
If you have concluded that: a) it is possible that you could live long enough to need long term care services and if you did, b) the consequences of needing care would be a disaster for your family, then...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