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      Long-Term Care Insurance

      Long-Term Care Insurance - How Much Is Enough?

      9/23/2008 2:01 PM
      According to the American Association for Long-Term Care Insurance (“LTCI”), 20% of the elderly require more than five years of long-term care, another 20% require two to five years and 30% require two years or less. Only 31% require no long-term care at all. But discussing this issue with clients can be difficult it is a grim topic, and the problems it addresses aren’t usually an immediate concern. Clients may also have preconceived notions and not realize that current LTCI options include comp ...
      Comments (1) | Visits (499)

      DRA - Expansion of Long-Term Care Partnership Programs

      7/8/2008 1:17 PM
      Prior to the Deficit Reduction Act of 2005 (DRA '05), only four states, including: California, Connecticut, Indiana, and New York, had Long-Term Care Partnership Programs ("LTC Partnership Programs).  As a result of DRA '05, the Long-Term Care Partnership Programs were expanded to the remaining states.  The purpose of the LTC Partnership Programs is to develop creative solutions for long-term care financing.  The LTC Partnership Programs combine the use of approved private LTC in ...
      Comments (0) | Visits (797)

      Long-Term Care Insurance Audit

      5/27/2008 1:17 PM
      For those of your clients who have purchased a Long-Term Care Insurance Plan (“LTCI”) which is more than 5 years old, a LTCI audit is now a necessity.  The purpose of the LTCI audit is to address the following issues: Is the current coverage sufficient to meet today's Long-Term Care costs? Does the LTCI policy cover all levels of LTC care, including home health care, assisted living care, and nursing home care? What must happen in order to trigger the payment of LTCI benefi ...
      Comments (0) | Visits (495)

      Traditional Long-Term Care Insurance - Is it Ready for a Major Come Back?

      11/29/2007 3:55 PM
      Prior to the Deficit Reduction Act of 2005 (”DRA“), in many states, Crisis Medicaid Planning allowed individuals to plan their affairs on a last minute basis.  As such, most individuals chose to plan their affairs when they were faced with an actual nursing home stay.  Now, with DRA in place, some of the generally accepted and widely used Medicaid planning techniques, including monthly gifting plans, have been eliminated.  With the new 60 month look-back for all transfers, and wit ...
      Comments (0) | Visits (425)
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