Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                  
 November, 2012
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In This Issue
Article Headline
Featured Article
  
   Big Change in Medicare LTC...Or Not?

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  

The Long Term Care Specialist hopes you had a meaningful Thanksgiving, spent joyously with friends and family.  If you have not already done so, please take a few moments to think about everything you have to be thankful for.

My wife, children, extended family & friends are just the very beginning of my thankful list. I could continue, but would easily fill this entire eNewsletter.  May your list of blessings be at least as long as mine.

Big Change in Medicare LTC...or Not? 

To quote Medicare & You,  the official U.S. Government Medicare handbook, "Medicare doesn't cover long-term care or custodial care."  Nothing new here.  What has changed is...Read more 

  

 

  

 

 

 
In-Hospital Patient Status: Admitted or Observation...Why It Matters                                        
Medicare provides up to a 100 day  nursing home benefit after a 3 day minimum hospital stay.  What does Medicare mean by a "3 day minimum hospital stay?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