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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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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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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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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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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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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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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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