28% TLTCS logo   Planning for Long Term Care
                  
 December, 2013
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In This Issue
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Featured Article
 
      
Mom & Dad are OK.  Aren't they?

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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 Gateway to the long term care section
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.

 

 

The Long Term Care Specialist wishes you and yours a happy holiday season.

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Mom & Dad are Doing OK, Aren't They? 

We speak with our older relatives often by phone, exchange letters and sometimes emails.  It is difficult to notice incremental changes in how they are getting along when we see them face to face every day.  On the other hand when we only get together a few times per year, for example during the holidays, even small changes can jump out...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