28% TLTCS logo   Planning for Long Term Care
                  
 October, 2013
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In This Issue
Article Headline
Featured Article
 
     
Does my Medical History Matter?

Ray Smith photo  

Links...
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 
Medicare The official  Medicare website
You Tube Why I Do What I Do 
  
   

Disclaimer: This eNewsletter and all links to other sources should not be construed as tax or legal advice because it is not either. Raymond Smith, The Long Term Care Specialist, does not give legal or tax advice. Consult your tax advisor or attorney for these matters.

 

 

Gender-based pricing (where women pay more than men) for long term care insurance is taking root across the insurance industry.  If you are a woman, now rather than later, is the best time to submit your application.  As of this writing, I have only four companies that charge the same for men and women.  I expect that number to be reduced by at least one by the November eNewsletter is published.  Please call me if you have any questions.  

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LTC Planning Options: Does My Medical History Matter?

Long Term care insurance is often, but not Dr. adding to medical recordalways, the most cost-effective alternative when planning for long term care.  However, a person's medical history plays a large part in determining... Read More
Comfortably and Sustainably Affordable

People often ask me how much long term care insurance they should buy.  My answer is: "You should buy the... Read More

 
A plan to pay for Long Term Care services is not a financial plan.  But a financial plan that does not address long term care can not be 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, 2013