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 Planning for Long Term Care   

   
                  
 November, 2015
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In This Issue
Article Headline
Featured
 Article
bride-groom-soft.jpg  
   LTC Insurance Discounts for Couples?
Ray Smith photo
Ray
Links...
Archive Earlier eNews-letters & articles.
AALTCI American Association for Long Term Care Insurance. 
CLTC The professional organization that certified me in long term care.
Medicare The official  Medicare website.
VIDEO INTERVIEW SEGMENTS. With estate planning attorney, Philip Bluestein:
  
You Tube Why I Do What I Do. Oops! Since recording the video, my website & email addresses have changed.
   

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.

 

 

Thanksgiving is upon us.  It is that time of year again...a time to think about, really think about, all the many things we have to be thankful for.  Here are just a few items from my personal list, not necessarily in order of preference:

1. My wife.turkey.jpg

2. My children.

3. My good health

4. My friends.  

5. My country.

6. Muffin, Australian terrier (not the turkey).

7. My clients

8. Readers of this eNewsletter.

...I could go on and on as can you.  Please take a few moments from your busy lifestyle to reflect on just how good life really is.  And I thank you for being a reader.  

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LTC Insurance Discounts for Couples?

Everyone wants to pay less for something.  Long term care insurance premium discounts are generally available for anyone who is part of a cobride-groom-soft.jpguple (married or otherwise).  These discounts, while varying by insurance company and sometimes by state, are substantial.  They can often make the difference between a policy being affordable or not.Continue reading as we explore what is available. .....Read More

 

 

Updated Links (left column on this page)

I was Interviewed by estate planning attorney, Philip Bluestein in Boulder, CO earlier in 2015.  The interview was videoed & edited into a series of short segments.  The first three have been added to the Links column under VIDEO INTERVIEW SEGMENTS.  I will add more segments if they can be viewed by my readers.  Please let me know if you can see (& hear) the videos after clicking on the segment titles.

 

 

 
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