Planning for Long Term Care   

  May, 2017
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In This Issue
Article Headline
Featured Article
Policy "Stacking"
Ray Smith photo
Archive eNewsletters from 6/2010-6/2016. Contact me & I will give you access to the more recent editions.

CLTC Corp. for Long Term Care Certification 

Colorado Division of Insurance Gateway to the long term care section

Medicare The official  Medicare website

Aging Life Care Assoc. (formerly National Assoc. of Professional Geriatric Care Managers) Worth their weight in gold.

Disclaimer: This eNewsletter and all links to other sources should not be construed as tax or legal advice because it is not either. Raymond Smith, The Long Term Care Specialist, does not give legal or tax advice. Consult your tax advisor or attorney for these matters.



Today as I write this is Memorial Day 2017.  One day of a long holiday weekend.  One day of barbecues, picnics, fun with family & friends.  Let's do & enjoy all those things, but more importantly, let each of us take a few moments, on this one day, to remember the sacrifice of those thousands upon thousands of men & women who served their country and never came home.


If you didn't, please do so now.....only after, read the eNewsletter.


Thank you.



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Stacking: Does It Make Sense To Own More than One Policy? 




Let's say you want long term care insurance that will reimburse you for $6,000 per month.  But you can only afford (for now) coverage for $3,000 per month.  You expect your available income to grow during the next few years.  Buying the $3,000 per month policy today & then another, larger, policy later could be a good strategy provided: ...READ MORE





A plan to pay for Long Term Care services is not a financial plan.  But a financial plan that does not address long term care can not be a complete financial plan. 
  Ray Smith
 Raymond Smith, CLU, CLTC, MBA
 The Long Term Care Specialist

© Raymond Smith, The Long Term Care Specialist, 2017