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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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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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Feb
02

Goodbye in Her (or His) Eyes

reeve

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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Jan
27

Planning for Long-Term Care is Gentle On My Mind

glenn2

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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Jan
05

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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Sep
01

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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Aug
16

Should You Accept an 85% Rate Increase?

As horrendous as an 85% rate increase sounds, it becomes not so horrendous when you analyze it. Here’s a case study along with my advice.

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Aug
03

The Biggest Retirement Concerns – Do You Agree?

Mature woman beach

Traditional long-term care insurance isn’t the answer for everyone. I’ve been helping people up to age 85 with the five concerns listed in this article by helping them acquire a lifetime income they can’t outlive, that doubles for up to five years if they need long-term care.

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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

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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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