Protecting Your Family With Long-Term Care Insurance

by Phyllis Shelton

Overview

Protecting Your Future with Long-Term Care Insurance is the most honest, consumer-oriented book you will ever read on this topic from the person Suze Orman trusts the most to keep her informed! Some will call it an expose on what is actually happening in the world of long-term care insurance, while going far beyond insurance to explain all types of long-term care planning. Options to plan with insurance are changing at a dizzying pace, with many desirable features of LTC insurance changing or going away. Here is what you will learn:
•Are long-term care insurance policies right for you?
•How do you prioritize your benefit selections to get the best coverage for your budget?
•Why employers must lead the way in offering LTC insurance
•The Partnership for Long-Term Care – does it really protect assets?
•Combo life / annuity / LTC plans – the most important feature to make them work
•Taxes – the latest incentives for long-term care insurance
•Reverse mortgages and life settlements – show me the money!
•Medicaid – the full impact of the Deficit Reduction Act on LTC benefits
•Medicare – the latest info on Medicare Advantage and Medicare drug benefits
•Why health care reform makes long-term care insurance even more important!
Chock full of “Consumer Alerts”, this book takes the worry and confusion out of long-term care planning. Come along for an entertaining and incredibly insightful rendition of the long-term care issue in eight eye-opening chapters:
•It’s Not All About You
•So You Think You Can Self-Insure?
•The Ins and Outs of Long-Term Care Insurance
•Where the Rubber Hits the Road: Premiums, Underwriting and Claims
•Employers: Why You Have to Lead, Not Follow
•Alternatives to Long-Term Care Insurance
•People Who Do Not Qualify for Long-Term Care Insurance
•The M & Ms of Medicare
Not sure why the topic of long-term care planning is even important? Having spent two-thirds of her 35-year health care financing career as a national consultant and trainer of over 75,000 insurance professionals, Phyllis Shelton now puts an entirely NEW spin on the need to plan for long-term care. She believes that Americans are really choosing between paying long-term care insurance premium which leaves dollars in the state budget or not buying LTC insurance, which diverts state budget dollars to Medicaid instead of to education, public safety and other vital services.
This book is especially pertinent to anyone interested in the current debate on entitlements and health care reform.

REVISED JULY 2013

Product Details

BN ID:	2940044405608
Publisher:	Phyllis Shelton
Publication date:	03/26/2013
Sold by:	Smashwords
Format:	eBook
File size:	5 MB

About the Author

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. Phyllis’ organization has trained nearly 65,000 agents via live or web-based training and her company has conducted training programs for 10 of the top 15 LTCI insurance carriers. She recently expanded her business model to include assisting states with an educational outreach about the Long-Term Care Partnership, a new program that shelters assets from Medicaid spend down equal to the benefits paid by Partnership long-term care insurance policies.

Her newest online training venture, LTCiTraining.com, was developed to meet the new, mandated NAIC/DRA Partnership producer training requirements in all states.

Phyllis was profiled in Senior Market Advisor’s charter group of the top ten professionals in the long-term care insurance industry nationally and has spoken to literally every major industry group including MDRT’s Top of the Table and NAIFA 2010. She received the distinguished LIFE Foundation Client Service Award and her full page client story was featured in the September 14, 2009 edition of Newsweek magazine. She appeared in The Balancing Act, Lifetime Network’s early morning show for women, on July 14, 2010 to emphasize the impact of long-term care on women.

She has been featured extensively in the Wall St. Journal and appeared in a two-hour PBS documentary on caregiving. She has presented on Wall St. as well as CNNfn and National Public Radio. She is a consumer reference for such publications as Kiplinger’s Personal Finance Magazine and her interviews include USA Today, Business Week, Consumer Reports, Money, Smart Money, Bloomberg Wealth Manager and National Public Radio. Her newest books, Phyllis Shelton's LTCI Worksite TOOLBOX (LTCi Publishing, 2010), cracks the code on how to engage younger employees in the long-term care planning process, and The ABC's of Long-Term Care Insurance makes LTC insurance so simple a child can understand it.

While sharing the main platform at the annual NAILBA conference with former U.S. Senator Bob Dole, she was introduced as “the most prolific speaker/trainer in the long-term care insurance marketplace.”

Ms. Shelton sees Medicaid as the largest threat to the American economy. She speaks nationally on the role of long-term care insurance as part of the private sector’s solution by making Medicaid payer of last resort for long-term care, which will save jobs by rescuing state budgets and keep families together by providing caregivers when most needed.

Phyllis’ passion for the long-term care industry is unparalleled. Her motivational message has been delivered to over 8,000,000 Americans.