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The Duckett Family

The Duckett Family

The story of my dear clients, Vernon and Helen Duckett.

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Barbara’s Decision

Barbara's Decision

After buying a long term care policy 10 years ago, Barbara doesn't have to worry about burdening her children with the cost of her care.

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Assisted Living

Assisted Living

Long term care insurance has allowed her 84-year-old mother to have peace-of-mind after moving into an assisted living facility.

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The Balancing Act

The Balancing Act

Phyllis Shelton was a guest on Lifetime Television's "The Balancing Act" to talk about how caregiving without the help of long term care insurance can crush the dreams of millions of American women, emotionally and financially.

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Parkinson’s Disease

Parkinson's Disease

His mother lived to age 91 with Parkinson's Disease, and the costs would have been overwhelming without long term care insurance.

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Motorcycle Accident

Motorcycle Accident

In an instant, a tragic accident turned a loving wife into a long term caregiver.

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Latte or Long Term Care?

Latte or Long Term Care?

Over twenty states are suing the Federal government over the Medicaid expansion. Medicaid is projected to consume more than a third of state budgets in 20 years, and the driver of that growth is LTC.

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Feb
02

Welcome from Phyllis Shelton

This website is for consumers who don’t have a local insurance professional to answer their questions about long-term care insurance. …

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Apr
27

I Thought My Husband Would NEVER Use His LTC Insurance

There are no guarantees in life. I just heard from a grateful client who is so glad her husband bought LTC insurance. …

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Feb
11

An easier way to qualify for long-term care insurance

It’s imperative that we continue to look for alternate ways to manage the long-term care (LTC) risk, and that’s how I’ve been spending much of my time. For example, I’m looking at a number of annuities that provide long-term care benefits. Why annuities? Because underwriting for traditional LTC insurance has become rather challenging. For those …

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Dec
10

The Dramatic Difference LTC Insurance Makes to the Caregiver

Mary and Valerie have a lot in common as they are both caregivers. Mary’s Aunt Julia has long-term care insurance, whereas Valerie’s mother does not. Does it make a difference? Have you considered long-term care insurance to protect your family from the impact on Valerie’s life? …

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Sep
07

Combining Life Insurance or Annuities with Long-Term Care Insurance

It would be easy to say “yes” to long-term care insurance if you didn’t have to come up with new money to pay for it, wouldn’t it? Well, there might just be a way to pull that off by repositioning money you already have. An important tax change was effective January 1, 2010* that has made it easier to combine long-term care insurance with either life insurance or annuities. This article shows three reasons why you might want to do that. …

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Jun
29

What Does the Supreme Court’s Decision to Nullify DOMA Mean for Medicaid LTC Benefits?

Publicity around the Supreme Court’s decision to nullify the Defense of Marriage Act on June 26, 2013 has centered around the ability to file joint tax returns and collect survivor social security benefits. My first reaction was “What about the ability to take advantage of the spousal impoverishment benefits under Medicaid?” …

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Jun
11

Response to June 8 2013 New York Times article about LTCI claims

If you saw the New York Times article “Fine Print and Red Tape in LTC Policies”, you may be questioning your decision to buy long-term care insurance. Or, if you have a policy, this article may have made you wonder if you should have bought it. The fact that I’m writing this response shows you how important it is to me that you don’t have these doubts. Please let me lay your concerns to rest as I respond to a client’s question about her CNA policy. …

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Apr
30

How much does long-term care insurance cost? (rate calculator for sample plan)

Buying long-term care insurance is like buying a car. You pay for the core components like an engine and four wheels with tires on them, then add the options that mean the most to you. …

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Apr
16

What happens if a LTC insurer goes out of business? How common does this happen?

Each state has a guaranty fund to protect policyholders from an insurance company that goes out of business. This is an extremely rare situation with long-term care insurance. This article explains what happens to your coverage if a company is declared insolvent. …

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Mar
16

My new book will tell you why 2013 is the year to get LTC insurance!

You’re not sure LTC insurance is the best solution for you? No problem. After you read this book, you will know enough to make an informed decision and I will have done my job. …

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