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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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