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 Planning for Long Term Care   

   
                  
 
November, 2014
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In This Issue
Article Headline
Featured Article
Brochure cover    
Free booklet
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 Ray@LTCinsuranceGuy.com  
  
   

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.

 

 

It is almost Thanksgiving, one of my favorite times of the year.  Lots of good family memories surround this holiday.turkey.jpg  I have much to be thankful for: family, good health, the freedom that comes from living in this great country & the everyday beauty that is Colorado, my clients, readers of this eNewsletter, my friends, on & on.  My wish is that you will have even more to be thankful for than I...and I have a bunch!  Have a meaningful holiday. 

 

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What Happened to Genworth Two Weeks Ago?

money-pensieve-man.jpg

Genworth Financial, enjoying a larger market share than any other long term care insurance company, suffered a sudden drop in its stock price earlier this month.  How did this happen?

1. Higher than expected claims were experienced with policies issued before 2002.  So?

2. Genworth increased their reserves...Read More

  

 

New Hard Copy Booklet...Short & Sweet

Brochure cover

 

I just received copies of this simplified, 44-page guide to long term care insurance from the printer.  Email your postal mailing address to ray@LTCinsuranceGuy.com & I will gladly send you a free copy.  Forty-four pages sounds like a lot, but the booklet is only 6" X 6"...a quick read on an important subject. 
 
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