Tag Archive: caregivers

Oct 24

What Does Long-Term Care Cost?

Planning for long-term care is best done with information gathering to make an informed decision. The “deer in headlights” approach doesn’t work.

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Sep 07

Federal LTC Insurance Program Rate Increase (updated)

The employee education program for the Federal government’s group long-term care insurance program in 2002 beat Donald Trump to The Apprentice.

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Dec 16

Parents and Children: Have “The Talk” This Christmas

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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Aug 08

Phyllis Shelton on Live Radio Show 3-4 pm CST Sunday, Aug. 9

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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Jan 05

Long-Term Care is All About the Family…Not the Bass

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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Mar 11

Long-Term Care Insurance is Productivity Insurance

A tidal wave of caregiving is about to hit U.S. employers as the fastest growing segment of the workforce is age 55 and up, employees who are in their prime caregiving years. Just under half (49%) of the workforce expects to provide care to a family member or friend in the next five years. Do …

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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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Feb 04

How Do You Get a Claim Paid?

Over 99% of long-term care insurance policies sold today are tax-qualified,* which means the way to get a claim paid is the same as it is Federally controlled in order for the premiums to be tax-free according to IRS guidelines and enjoy other tax incentives. Just like you can need care physically or mentally, you can trigger the benefits in one of those two ways.

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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.

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Mar 13

Your Customized Benefit Selection Process

The following is an abbreviated section from my book The ABC’s of Long-Term Care Insurance – keepin’ it REALLY simple for you, folks! To simplify the benefit selection process, there are six major choices that impact a premium. Here is each choice and a recommendation. 1a) Daily or Monthly Benefit – Look at the average …

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