TLTCS Logo

 Planning for Long Term Care   

   
                  
 

December, 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
Does Medicare Pay for Long Term Care?
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.

 

 

Where has 2014 gone?  Seems like we were just welcoming in the new year and now it is all but gone.  It has been said that time passes more quickly as we get older.  Could be.  Or perhaps we become more aware of the passing of time as our life experiences pile up...and we have more & more "remember whens".

 

To quote the Chinese proverb: "May you live in interesting times."

 

The Long Term Care Specialist wishes you & yours a happy holiday season & a New Year filled with interesting times. 

   View our profile on LinkedIn       Like us on Facebook    
2015 Long Term Care Insurance Tax Numbers CLTC 2015 LTC tax summary Email me if you would like a copy & I will send it to you. 

 

Does Medicare Pay for Long Term Care?  

I am asked this question all the time, most recently on 12/15/2014, the morning of this writing.  A variation:  "Nursing homes, Assisted Living & professional Home Care are all very expensive.  What is the name of the government program that covers these costs?"  The presumption is that somehow the government, or someone other than the person needing care (or his/her family), pays for needed long term care services.  I am...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