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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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Jan
10

Calling All Single Women Without Long-Term Care Insurance (and their single friends)

Grandpa John A. Shelton, circa 1958

If you are a woman who wants to keep your independence as you age, this article is for you.

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Dec
16

Parents and Children: Have “The Talk” This Christmas

Christmas warm pic

Give your children the meaningful present of planning for long-term care so they don’t have to handle it for you.

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Oct
02

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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Aug
08

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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Jul
26

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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May
24

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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Mar
22

Forever and Ever Amen

memoriam

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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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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