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 Planning for Long Term Care   

   
                  
 September, 2015
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In This Issue
Article Headline
Featured Article
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   Can't Qualify For Long Term Care Insurance?
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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.

 

 

Just about when you think you have figured out how to do this eNewsletter technical stuff...  Along comes a report telling me that half of my readers view the eNewsletter on smart phones or tablets...and my format cannot be seen very well on mobile devices.  So next month (October, 2015) I will be trying a "mobile device friendly" layout.  It is now too close to the end of September (Remember, I committed to publishing an eNewsletter edition each month.) for me to be experimenting now.  Look for the new format next month.

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Can't Qualify For Long Term Care Insurance.  What Now?

Earlier this month, I met with a couple in their early 60s who clearly understood the need for planning.  The wife's mother had spent the last years of her life in a Medicaid nursing home and neither one wantedbowling-beverage-couple.jpg the same.  Both husband and wife really wanted to buy long term care insurance.  But they could not...at any price!  Wife had been hospitalized with .....Read More 

 

 

Gender-Based Pricing Marches On

In the "old days" of long term care insurance (before 2013) men and women paid the same price for the same long term care insurance. 

 

Genworth started the move to charging men and women flowerpot-woman.jpgdifferently and did so nationally...sort of.  The Genworth former employee who filed gender-based rates with the Colorado...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