Phyllis Shelton

Phyllis Shelton is the President of LTC Consultants, a Nashville-based company that she founded in 1991 specializing in long-term care insurance sales training, consumer education and marketing materials. She is widely considered to be the leading long-term care insurance sales trainer in the country. Now her heart goes out to anyone who doesn't have a local insurance professional to help them consider long-term care insurance, and she is willing to be a resource for those people, or their financial advisors.

Most commented posts

  1. Welcome from Phyllis Shelton — 116 comments
  2. LIVE Phyllis Shelton Webinar Dec 3rd at 1 pm EST — 4 comments
  3. Own Life Insurance and Need Money? The Sicker the Better — 8 comments

Author's posts

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. …

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The CLASS Act (YES, You Still Need Long‐Term Care Insurance!!)

The Community Living Assistance Services and Supports (CLASS) Act is a provision in Section 8002 of the new health care reform bill (The Patient Protection and Affordable Care Act, Public Law 111‐148) enacted March 23, 2010. The CLASS Act is supposed to provide a small cash benefit of an average of $50 a day with a lifetime benefit period depending on the level of impairment. For example, needing help with four Activities of Daily Living vs. two would result in an increased benefit. This benefit is guaranteed issue and is designed to help people with limitations stay in the community instead of going to a nursing home. The program is supposed to be funded solely by premiums paid by employees who do not opt out via payroll deductions by the employers who choose to participate.

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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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Consumer Protections in Today’s Long-Term Care Insurance Policies

There are many protections for consumers in today’s long-term care insurance policies.

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The Impact of Long-Term Care on the Employer

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

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How to Determine the Value of LTC Insurance After Rate Increases

The premium she has paid over 11 years would only pay for a couple of months of daily home care or nursing home care at current costs or four months in an assisted living facility.

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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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Motorcycle Accident

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

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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.

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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.

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