Planning for Long Term Care   

  June, 2016
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In This Issue
Article Headline
Featured Article
    Turned Down For Long Term Care Insurance?
Ray Smith photo
Archive Earlier eNews-letters & articles
AALTCI American Association for Long Term Care Insurance 
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 Association  (formerly known as National Association of Professional Geriatric Care Managers)  
You Tube Why I Do What I Do.  Oops!  Since recording the video, my website has changed to & my email address to  

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.




The Fourth of July...Independence Day will be about a week after this is written.  What a good time to contemplate the many freedoms and opportunities we have.  Among them is the freedom I have, without censorship, to write this monthly eNewsletter.  You have the freedom to read it, or not.  Thank you for choosing to read.


Please join me, if you will, in flying our country's flag on this most important holiday.  If not inclined to flag flying, at least give some thought to how good it is to be alive today and living in the USA.



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Does the Affordable Care Act/Obama Care Guarantee The Right To Obtain Long term Care Insurance?
NO!  It does not!  In this past week alone, I ran into three people who could not buy long term care insurance although they want Couple with stair chaired to.  Why?  Because they waited too long.  One had recently been diagnosed with Multiple Sclerosis.  Another had started using oxygen "but only at night", she said.  One person recently had medication prescribed to slow the advance of Alzheimer's.  All long term care insurance is medically underwritten.  You must qualify medically or else you cannot purchase long term care insurance at any price.   
Turned Down For Long Term Care Insurance?
I recently found a life insurance policy with a built-in chronic care benefit that may be appropriate for some people who cannot qualify for traditional long term care insurance.              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, 2015