Subscribe to RSS feed
The Duckett Family

The Duckett Family

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

Watch video »

Barbara’s Decision

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.

Watch video »

Assisted Living

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.

Watch video »

The Balancing Act

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.

Watch video »

Parkinson’s Disease

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.

Watch video »

Motorcycle Accident

Motorcycle Accident

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

Watch video »

Latte or Long Term Care?

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.

Watch video »



Dec
16

Free brochure to share with all you know to save state budget dollars for education and public safety

I’ve been trying since July 2010 to bring attention to the fact Americans think deciding to insure for long-term care is a personal choice, affecting only them. Americans are really choosing between paying long-term care insurance premium which leaves dollars in the state budget for education or not buying LTC insurance, which diverts state budget …

Continue reading »

Sep
07

Tribute to Ann Orman

Suze Orman’s “Southside Girl” passed away this week and when I sent my condolences, Suze immediately sent the obituary she wrote for the Chicago Sun Times right back to me. This is the mom that she was spending $25,000 a month on because her mother would never sign the application to allow Suze to buy …

Continue reading »

Aug
21

Planning for Long-Term Care Inflation Isn’t Rocket Science, Folks

The new John Hancock Benefit Builder product has turned long-term care insurance into an investment instead of an insurance product. …

Continue reading »

Jul
14

How the Supreme Court Decision Affects Long-Term Care Insurance

The Supreme Court decision on June 28, 2012 makes it even more critical for people to own long-term care insurance as it is highly questionable as to how many Medicaid dollars will be there for LTC in the future. In 20-30 years, people who need long-term care will be sharply divided between haves and have-nots. Many people who elected to self-insure will be squarely in the middle of the have-not bucket as the cost of care soars to $1000 a day in 30 years. Money buys choices. Without long-term care insurance, most families simply won’t have the money to buy care and their worst nightmare will happen as the burden for their care falls on their children and grandchildren. …

Continue reading »

Mar
22

Bad Advice to Lower Daily Benefit to Lower LTC Insurance Premium

Response to Terry Savage article “Long-Term Care-LESS”, MoneyShow.com, March 19, 2012 http://www.moneyshow.com/investing/article/11/Blog-27057/Long-Term-Care-LESS/ The 90% rate increase by John Hancock is not a responsible rate increase in my opinion. They were asleep at the wheel, not realizing that was coming. But in all fairness – this article makes it sound like long-term care insurance rate increases …

Continue reading »

Jan
22

What Does Long-Term Care Cost?

A lot, you’re thinking? Sometimes, yes. Prudential released a study in 2011 that said “Americans tend to overestimate the costs associated with long-term care, which amplifies their level of concern about paying for it.” That’s a nice way to say we get the “deer in headlights” fear whenever we think about it, so it’s easier …

Continue reading »

Dec
20

Long-Term Care Insurance Tax Deduction for Greater Than 2% Shareholders of S-Corporations

For those who have wondered how the long-term care insurance self-employed tax deduction works for owners of S-Corporations, this straightforward explanation clears it up. …

Continue reading »

Nov
02

CLASS FINALLY DISMISSED

The future of the Community Living Assistance Services and Supports program came into question when its chief actuary resigned and its staff was reassigned in recent weeks (Best’s News Service, Sept. 23, 2011). Also, the Senate Appropriations Committee did not provide the program with any funding in a fiscal year 2012 spending plan advanced Sept. …

Continue reading »

Sep
19

LTCI Tax Incentives for Employer-Sponsored Plans

Many employers are deciding it is more cost effective to contribute to the premium for a worksite LTCI plan rather than incurring costs due to caregiver absences and distractions. …

Continue reading »

Aug
23

The Impact of Long-Term Care on the Employer

Many employers have come to recognize that long-term care insurance can be “productivity insurance.” …

Continue reading »

Older posts «

» Newer posts