The ultimate handbook for LTC insurance presents practical, third party information in clear, easy-to-understand language - then personalizes the information by explaining how to customize benefits for those shopping for a policy or how to evaluate an existing policy. This 167 page reference guide contains a special section with information on justification of inflation coverage and an explanation of virtually every policy feature on the market today that is not available in any other publication. The 1999 edition features new sections on The Cost of Waiting and Savings vs. LTC Insurance. The Long-Term Care Planning Guide continues to receive national exposure because the information is so current ... Health Care Reform, recent policy developments, Medicaid eligibility and the increasing efforts surrounding transfer of assets legislation, Medicare Supplement and the current year's Medicare program information.
Additional sections cover the importance of LTC insurance as a company benefit, plus a special section on the LTC Partnership Programs available in several states and a chapter on alternatives to the standalone LTC policy such as accelerated death benefits, reverse mortgages as well as the increasingly popular single premium life insurance/long-term care policies and LTC annuities.
In only moments after receiving your copy and looking through this in-depth and thoughtfully written volume of information, you will see why people refer to the Long-Term Care Planning Guide as the consumer resource for long-term care financing.
Phyllis Shelton speaks nationally on the tremendous financial impact of long-term care and the dual role of long-term care insurance to help families fund the expense with advance planning and to insure independence and choices when care is needed. Phyllis Shelton is president of LTC Consultants, a national consulting firm she founded in 1991 that specializes in high quality generic consumer information on long-term care financing not associated with a particular insurance company or health care organization. Ms. Shelton has 20 years' experience in the insurance industry. Formerly a marketing manager with Blue Cross and Blue Shield, she joined John Hancock to specialize in long-term care insurance.
LTC Consultants, also provides product consulting and sales training to insurance companies, independent and captive insurance agents and brokers, and to long-term care providers.
Ms. Shelton's intense commitment to the critical area of long-term care has contributed significantly to her appearance on CNNfn and her selection as a speaker for the Million Dollar Round Table, the 1999 National Association of Life Underwriters conference, the 1999 Private Long-Term Care Insurance Conference, the American Society of CLU and ChFC, the annual CFP and IAFP conventions, and as a main platform speaker for the 1997 and 1999 NAHU Annual LTC Producers Conference. Over 20,000 agents have attended her eight-hour continuing education and sales training classes since 1992.
