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 Planning for Long Term Care   

   
                  
 May, 2015
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In This Issue
Article Headline
Featured Article
  
   What It's Like to Have a Stroke
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.

 

 

For many years I have had a standing offer to review anyone's existing long term care insurance policy.  There is no charge for this service. You should know that almost always, my recommendation is that you keep what you have.  Why?  Because, and again almost always, it will cost you more to replicate that which you had the wisdom to purchase more than a year or two ago...that is even if your existing policy benefits can be replicated.  My offer still stands. 

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What It's Like to Have a Stroke

(My thanks to Liz Taylor at www.AgingDeliberately.com for her permission to use this article.)

 

On March16, 2015, I awoke to a rather peculiar world.  I couldn't put my finger on why.

 

After pouring a cup of coffee, I went into my study to answer email.  I read my messages all right, but typing my replies was a disaster.  I couldn't find the right keys, and when I went to delete the countless mistakes, they came out like this: ///\\\rwt, and then -oopp{I.  Hmmm, it was going to be one of "those" days.  Read More

 

 

Does Medicare Pay for Long Term Care? 

  

 

Most people think it does.  Most people are wrong.  Medicare is the dominant provider of health insurance for Americans aged 65 and better.  When coupled with a Medicare supplement policy or if a Medicare Advantage plan, it does a good job of paying for medical care, but... 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, 2015