Tag Archive: retirement

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 20

It’s Time to Stop Bashing Long-Term Care Insurance

Let’s stop with the LTC insurance bashing and focus on the families it has SAVED.

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Jan 01

What your state lets you keep, effective 1/1/2018

This is a table that shows the minimum assets and income each state allows nursing-home residents and their spouses to keep.

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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 11

Denial is Not a River in Egypt

People have a 50 percent chance of needing LTC at some point in life, and about 30 percent of people who do may need care for five years or more, according to a new study by LifePlans, Inc. Being in denial about this could be the worst thing you ever do to the people who love you.

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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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Dec 09

The Duckett Family

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

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Jul 26

How an Equity Index Annuity, aka Fixed Index Annuity, Can Help People Who Have Waited Too Late to Buy Long-Term Care Insurance

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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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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Aug 03

The Biggest Retirement Concerns – Do You Agree?

What are your biggest retirement concerns? Do you agree with this survey?

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