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 Planning for Long Term Care   

   
                  
 September, 2014
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In This Issue
Article Headline
Featured Article
 
           
A Reader's Response
Ray Smith photo
Ray
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.

 

 

The Long Term Care Specialist wishes all our friends (both those who are & are not Jewish) a happy, healthy, & peaceful New Year.

 

Thank you for continuing to read this monthly eNewsletter.  We hope you find it interesting & informative.  Your comments are always welcomed. 

 

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A Reader's Response to "Taking the Car Keys & Other Indignities". From the 8/2014 Issue 

I must have tapped deeply into the well of common experience.  The following unedited response was received from a highly-respected financial services professional who like many of us, has had to deal with the realities of  aging parents. 

 

The response is reprinted with permission.  In respect for the responding reader's privacy, his/her name has been omitted:

 

"I've done some things well and some things horribly, some effectively and some not so.  I had to deal with a senile mother-in-law for 25 years and sometimes didn't take her dignity into account...Read More

   

 

Just a Reminder...

When applying for Long Term Care Insurance, all insurance companies now check the National Prescription Data Base for medications that may not have been disclosed on the application.  Medical records are also reviewed.

 

It is far better to disclose, & then allow me to pro-actively explain, a medical condition.  Otherwise an insurance company will wonder about what else may have been omitted from the application. 

 

 
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