Monthly Archive: December 2012

Dec 17

The Employee Education Presentation

I will do a series of posts on how to conduct the essential long-term care insurance employee education so that employees of all ages apply along with their spouse and eligible family members.  If you can’t wait for all of the posts, you can always grab a copy of my book, Phyllis Shelton’s Worksite Long-Term …

Continue reading »

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 »

Dec 09

The Partnership for Long-Term Care

The idea of the Long-Term Care Partnership is to provide a way for the Medicaid program to work together with private long-term care insurance to help those people who are caught in the middle: they can’t afford to pay the cost of the care or even the cost of a long-term care insurance policy with unlimited benefits, yet their assets are too high to qualify for Medicaid to pay their long-term care expenses. Many middle-income workers and retirees find themselves in this position.

Participating insurance companies in the Partnership recognize the needs of these middle-income Americans by providing LTC insurance policies that have built-in consumer protection benefit standards, and participating states cooperate by allowing these policyholders to access Medicaid without spending down their assets almost to poverty level if the insurance benefits run out.

Continue reading »