Category: Blogs

Welcome to New Subscribers and How to Evaluate a Rate Increase

Facing a rate increase on your long-term care insurance policy? Apply Phyllis Shelton’s formula to evaluate whether or not to accept it before making any decisions.

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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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Goodbye in Her (or His) Eyes

We all know the timeless wedding vows and most of us have spoken them. When caregiving becomes 24/7, sometimes these vows are broken. An awful thought, you say?

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Planning for Long-Term Care is Gentle On My Mind

Glen Campbell is now a permanent member of the ranks of Alzheimer’s victims. The first music artist to make #1 on the country and contemporary charts at the same time, he is Stage 6 now and sometimes requires two caregivers to be sure he is safe.

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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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Mothers Don’t Let Your Daughters Grow Up To Be Caregivers

Without a plan, millions of daughters will be thrust into providing care for an aging parent, at great emotional, mental and physical cost, a much greater toll than financial.

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Should You Accept an 85% Rate Increase?

As horrendous as an 85% rate increase sounds, it becomes not so horrendous when you analyze it. Here’s a case study along with my advice.

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The Biggest Retirement Concerns – Do You Agree?

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

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I Thought My Husband Would NEVER Use His LTC Insurance

There are no guarantees in life. I just heard from a grateful client who is so glad her husband bought LTC insurance.

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An easier way to qualify for long-term care insurance

It’s imperative that we continue to look for alternate ways to manage the long-term care (LTC) risk, and that’s how I’ve been spending much of my time. For example, I’m looking at a number of annuities that provide long-term care benefits. Why annuities? Because underwriting for traditional LTC insurance has become rather challenging. For those …

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