Tag Archive: life insurance

Aug 27

Outside-of-the-Box Thinking About Long-Term Care Planning–One Size Does Not Fit All

As a shoe aficionado, I have observed that long-term care planning is quickly starting to resemble my closet of 100 pairs of shoes. 

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Mar 22

Forever and Ever Amen

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 a few days after it was published, I heard from an agent who has been …

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Sep 07

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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Mar 19

How Old are People When They Need Long-Term Care?

Last week we established that most long-term care doesn’t happen in a nursing home. Most of it is provided by a primary caregiver in the home. That caregiver is usually a woman, and she could be a daughter or daughter-in-law or a spouse. She could even be a mom, like my cousin who took six …

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Feb 19

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.

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Feb 19

The Duckett Family

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

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Feb 19

Motorcycle Accident

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

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Feb 19

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.

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