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The Duckett Family

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

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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

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

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

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

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

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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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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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Why Would Anyone Buy a Long-Term Care Insurance Policy Without Home Care Benefits?

ALF (Victorian)

Why in the world would anyone want to buy long-term care insurance without home care? There are other really good reasons besides the significant premium savings.

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Phyllis Shelton on Live Radio Show 3-4 pm CST Sunday, Aug. 9

Peter Rosenberger live radio Sundays 3-4pm CST

Phyllis Shelton is honored to appear on Peter Rosenberger’s live radio show on Sunday, August 9th from 3-4 p.m. CST to discuss how long-term care insurance can be a lifeline for caregivers.

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How an Equity Index Annuity, aka Fixed Index Annuity, Can Help People Who Have Waited Too Late to Buy Long-Term Care Insurance

Mature woman beach

I found equity index annuities (fixed index annuities) because I was searching for a way to help people who are totally uninsurable for any kind of traditional or combo LTC product.

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Welcome to New Subscribers and How to Evaluate a Rate Increase

Facing a rate increase on your long-term care insurance policy? Apply Phyllis Shelton’s formula to evaluate whether or not to accept it before making any decisions.

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Forever and Ever Amen


My last article “Goodbye in Her (or His) Eyes” was a little hard to read as it discussed situations in which a healthy spouse doesn’t stick around when the other spouse needs long-term care…either by choice or by death. Just

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Goodbye in Her (or His) Eyes


We all know the timeless wedding vows and most of us have spoken them. When caregiving becomes 24/7, sometimes these vows are broken. An awful thought, you say?

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Planning for Long-Term Care is Gentle On My Mind


Glen Campbell is now a permanent member of the ranks of Alzheimer’s victims. The first music artist to make #1 on the country and contemporary charts at the same time, he is Stage 6 now and sometimes requires two caregivers to be sure he is safe.

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Long-Term Care is All About the Family…Not the Bass

Protecting Children from Caregiving

People worry more about being a burden on their kids when it comes to long-term care than they do about the exorbitant financial cost of extended health care.

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Mothers Don’t Let Your Daughters Grow Up To Be Caregivers

Mother and Daughter Face To Face

Without a plan, millions of daughters will be thrust into providing care for an aging parent, at great emotional, mental and physical cost, a much greater toll than financial.

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