28% TLTCS logo   Planning for Long Term Care
                  
 June, 2014
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 emails, please click on "Safe Unsubscribe" at the bottom of this page and your name will be promptly removed from our distribution list.
In This Issue
Article Headline
Featured Article
 
Am I Covered If I Relocate To...
           
 

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 Gateway to the long term care section
Medicare The official  Medicare website
You Tube Why I Do What I Do.  Oops!  Since recording the video, my website has changed to www.LTCinsuranceGuy.com & my email address to [email protected]  
  
   

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.

 

 

Research shows that most people now search the Internet for information prior to making a large purchase...especially when the purchase involves an item that is not well-understood.

 

Long term care insurance must be paid for and is more complicated than many consumer products.  Let me suggest two helpful information sources:

1. My website at www.LTCinsuranceGuy.com.  This has been designed to explain in simple terms, long term care itself, and long term care insurance.

2. The Archive section of this eNewsletter, where you can access every eNewsletter article I have published over the past four years (Go to the left column of this page and under "Links", click "Archive".).  You will find articles ranging from "An Open Letter to Bill Gates (November, 2013) to "Who Should Not Buy Long Term Care Insurance" (June, 2010).  Stay tuned...I am working on articles that begin with X, Y and Z.

 

Thank you for continuing to read this eNewsletter. 

  View our profile on LinkedIn    Like us on Facebook    

Combination (Hybrid) Life-Long Term Care Insurance 

Not to be confused with primarily life insurance that has a small long term care benefit tacked on.  Hybridsgardener-woman-sm.jpg provide a leveraged long term care benefit with a small life insurance component.  More than one insurance company offers this innovative policy.  When appropriate to their individual situations, I had already been offering Pacific Care by Pacific Life Insurance Company.   At last month's Kansas City long term care insurance conference, I became comfortable* with two additional...Read More

 

 

Am I Covered If I Relocate To...couple on beach

All of the US long term care insurance companies I work with (currently Genworth, John Hancock, Life Secure, Mass Mutual, Med America, Mutual of Omaha and Transamerica) pay benefits in all 50 states plus the District of Columbia.  But what if you need long term care services while in another country?  Genworth: Full policy benefits for... 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, 2014