Insurance

Which Is Best for You: Public or Private Long Term Care Insurance?

Author: LTC Financial Partners LLC
Dateline: Kirkland, Washington (KIRKLAND, Wash.)  | Mon, 07 Jun 2010

freeNewsArticles Story Summary: “KIRKLAND, Wash. -- The CLASS Act, part of the new health reform law (the Patient Protection and Affordable Care Act), will offer a type of long term care insurance for working people and others who may become disabled. But confusion and doubt are widespread. 'Many wonder how the CLASS Act will affect them personally,' says Jonas Roeser, Senior Vice President of Marketing and Operations for LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance agencies.”



A R T I C L E:

The CLASS Act, part of the new health reform law (the Patient Protection and Affordable Care Act), will offer a type of long term care insurance for working people and others who may become disabled. But confusion and doubt are widespread. "Many wonder how the CLASS Act will affect them personally," says Jonas Roeser, Senior Vice President of Marketing & Operations for LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance agencies.

"CLASS" stands for Community Living Assistance Services and Supports; and the program, a legacy of Senator Edward Kennedy, is intended to offer new choice and security for millions now at risk. But, "we find that most people don't know what to make of the law or how to proceed," says Roeser. "On one hand, many hope the CLASS Act can take care of their long term care needs. On the other hand, they're not sure. They wonder if private LTC insurance may be better for them. They're conflicted and stymied."

To help clarify the matter, LTCFP has released an informational video, featuring Roeser, and a digital publication, the 2010 Long Term Care Guide, Including Healthcare Reform Update. Both are available free at http://www.ltcfp.biz/long-term-care-guide/ .

The digital guide and video will answer questions like these:
* If the CLASS Act program doesn't become operational until 2012, 2013 or later, what are the risks of waiting to decide between that and private long term care insurance?
* With the public plan, I hear people will need to pay premiums for 5 years before becoming eligible for benefits; how does this compare with private LTC insurance?
* How much are long term care services likely to cost should I need them; and will the public plan pay enough benefits to cover all those costs?
* If I get a private LTC policy now, could I later decide to enroll in the public plan too, for extended benefits?
* I hear millions will be automatically enrolled in the public plan, with payroll deductions, unless they opt out. What should I do?

LTCFP is a founding sponsor of the "3 in 4 Need More" campaign - http://www.3in4needmore.com - which seeks to inform the public that "at least 70 percent of people over age 65 will require some long-term care services at some point in their lives," according to the U.S. Department of Health and Human Services.

###


Copyright © 2010 by LTC Financial Partners LLC and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/10-0607-jroeser_72dpi.jpg

Story Title: Which Is Best for You: Public or Private Long Term Care Insurance?
• REFERENCE KEYWORDS/TERMS: Jonas Roeser, Kirkland, Washington, Patient Protection and Affordable Care Act, Insurance, Health, , KIRKLAND, Wash..

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (LTC Financial Partners LLC); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Mon, 07 Jun 2010 06:57:17 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance

2010 Long Term Care Guide Announced – Includes Healthcare Reform Update

Author: LTC Financial Partners LLC
Dateline: Kirkland, Washington (KIRKLAND, Wash.)  | Mon, 03 May 2010

freeNewsArticles Story Summary: “KIRKLAND, Wash. -- Many Americans seem confused and immobilized by a key part of the recent Health Reform legislation, the CLASS Act, which will offer a form of long term care insurance for working people and others who may become disabled. 'CLASS' stands for Community Living Assistance Services and Supports; and the program, a legacy of the late Senator Edward Kennedy, is intended to offer new choice and security for millions now at risk.”



A R T I C L E:

Many Americans seem confused and immobilized by a key part of the recent Health Reform legislation, the CLASS Act, which will offer a form of long term care insurance for working people and others who may become disabled. "CLASS" stands for Community Living Assistance Services and Supports; and the program, a legacy of the late Senator Edward Kennedy, is intended to offer new choice and security for millions now at risk. But, "we find that the public doesn't know how to react," says Denise Gott, Chairman of the Board of LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance agencies.

"On one hand," says Gott, "many people hope the CLASS Act can take care of their long term care insurance needs. On the other hand, they're not sure. They wonder if private LTC insurance may be better for them in their particular situation. They're conflicted and stymied."

To help clarify the matter, Gott's organization developed and will soon publish the 2010 Long Term Care Guide, a special report that includes a Healthcare Reform Update. "We think it will answer the top questions on people's minds," says Gott.

These questions include:

* If the CLASS Act program doesn't become operational until 2012 or 2013, what are the risks of waiting until then to decide between that and private long term care insurance?

* With the public plan, I hear people will need to pay premiums for 5 years before becoming eligible for benefits; how does this compare with private LTC insurance?

* How much are long term care services likely to cost should I need them; and will the public plan pay enough benefits to cover all those costs?

* If I get a private LTC policy now, could I later decide to enroll in the public plan as well, for extended benefits?

Such questions cry out for answers now, Gott asserts. "Millions will be automatically enrolled in the public plan, with payroll deductions, unless they decide to opt out; but that decision requires knowledge."

Expected to be available in print by June, the 2010 Long Term Care Guide will be an insert in a revised edition of Dignity for Life - Five Things You Should Know Before Considering Long Term Care Insurance. In digital form, the special report is available now at no cost at http://www.ltcfp.us/long-term-care-guide/ .

LTCFP and LTC Hotline are sponsors of the "3 in 4 Need More" campaign -- www.3in4needmore.com -- which seeks to inform the public that "at least 70 percent of people over age 65 will require some long-term care services at some point in their lives," according to the U.S. Department of Health and Human Services.

###


Copyright © 2010 by LTC Financial Partners LLC and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/10-0503-ltcguide_72dpi.jpg

Story Title: 2010 Long Term Care Guide Announced - Includes Healthcare Reform Update
• REFERENCE KEYWORDS/TERMS: Community Living Assistance, Kirkland, Washington, Healthcare Reform Update, Insurance, Health, , KIRKLAND, Wash..

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (LTC Financial Partners LLC); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Mon, 03 May 2010 06:54:01 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance

Long Term Care Insurance for the Gay and Lesbian Community: Different Needs Require Special Help

Author: LTC Financial Partners, LLC
Dateline: Mon, 16 Nov 2009

freeNewsArticles Story Summary: “KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Like other longer-living Americans, gay males and lesbians (as well as bisexuals and transsexuals) face the prospect of eventual incapacity and the need for long term care. But they have special problems getting that care when needed, according to LTC Financial Partners, LLC (LTCFP), one of the nation's largest and most experienced long-term care insurance agencies.”



A R T I C L E:

KIRKLAND, Wash., Nov. 16 (SEND2PRESS NEWSWIRE) -- Like other longer-living Americans, gay males and lesbians (as well as bisexuals and transsexuals) face the prospect of eventual incapacity and the need for long term care. But they have special problems getting that care when needed, according to LTC Financial Partners, LLC (LTCFP), one of the nation's largest and most experienced long-term care insurance agencies.

Those problems include:
• More limited support network. Since gays and lesbians are less likely to have children than heterosexuals, they have fewer immediate family members available for care giving. Financial help from children, to pay for professional care, is also less available.

• A high proportion of gay and lesbian seniors have only themselves to reply upon. Nearly 80 percent live without a life partner or significant other, while a majority of married seniors live with a spouse, according to a February 2006 report from the National Gay and Lesbian Task Force.

• Social Security presents obstacles too. For example, widows and widowers receive Social Security survivor benefits. Surviving same-sex partners get nothing.

Ana Celestino"The playing field isn't level," says Ana Celestino, Business Development Specialist with LTCFP. Rhonda Guilin, an LTCFP Sales Manager and Member of the Board, shares Celestino's observation and commitment. "Gays and lesbians, as well as bisexuals and transsexuals, need to get LTC education in order to make good choices," she asserts. She and Celestino point to these LTCFP measures:

One is to highlight the importance of long term care insurance for gays and lesbians who can afford it. "Unless they lack resources and qualify for Medicaid, they should definitively protect themselves with private insurance," Guilin says, "because, with their more limited family and federal resources, they're at greater risk."

Another key LTCFP measure is guiding gays and lesbians to insurance carriers that cater to their needs. "We've picked forward-looking underwriters that are gay-and-lesbian-friendly," says Celestino."

These carriers offer provisions such as:
• Discounts for same-sex partners who have lived together for more than three years.

• The option to share benefit dollars when one partner's benefit limits have been exceeded.

• The option to receive extra "stay-at-home" funds for home modifications, caregiver training, home safety checks, and medical alert systems.

Guilin's and Celestino's organization includes 550 independent agents, all specialists in long-term care insurance. Inc. magazine recently placed LTCFP No. 16 in the insurance category in its annual ranking of the 5,000 fastest-growing companies in the nation. Among insurance agencies, LTCFP is the fastest-growing one focusing exclusively on long-term care insurance sales.

"We aim to be leading champions of gays and lesbians as well as racial and other minorities," says Guilin.

More information on LTCFP and access to agents in all states is available at www.ltchotline.com.

###


Copyright © 2009 by LTC Financial Partners, LLC and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/09-1116-Rho-Guilin_72dpi.jpg

Story Title: Long Term Care Insurance for the Gay and Lesbian Community: Different Needs Require Special Help
• REFERENCE KEYWORDS/TERMS: LTC Financial Partners, , , gay and lesbian healthcare, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (LTC Financial Partners, LLC); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Mon, 16 Nov 2009 14:21:59 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance, Long Term Care

Trailblazing Long Term Care Insurance Organization Celebrates 15 Year Anniversary

Author: National LTC Network
Dateline: Wed, 28 Oct 2009

freeNewsArticles Story Summary: “OVERLAND PARK, Kan. (SEND2PRESS NEWSWIRE) -- The National LTC Network is celebrating 15 years as a national leader in long term care insurance distribution. The Network counts among its 30 member firms some of the most-respected and successful firms in the industry. 'The Network is a unique organization, consisting of firms that are competitors, but that have come together to share best practices and address common long-term care insurance industry issues,' commented Terry Truesdell, President and CEO.”



A R T I C L E:

OVERLAND PARK, Kan., Oct. 28 (SEND2PRESS NEWSWIRE) -- The National LTC Network is celebrating 15 years as a national leader in long term care insurance distribution. The Network (www.NLTCN.com) counts among its 30 member firms some of the most-respected and successful firms in the industry. "The Network is a unique organization, consisting of firms that are competitors, but that have come together to share best practices and address common long-term care insurance industry issues," commented Terry Truesdell, President and CEO.

"Another unique aspect of the Network is that its members represent a number of different LTCi sales focuses and distribution channels, including traditional brokerage, general agents, and highbred sales operations using components of both."

Members include trailblazers in workplace sales, association sales, and traditional individual sales.

Larry Feldman, CFK LIFE Plans, Inc., was one of the Network's founders. "The genesis for The Network came during a dinner conversation in Chicago," Feldman stated. "There was genuine excitement and enthusiasm, since back in the 1990s there were few dedicated long term care insurance general agents across the country. We were lone wolves, operating in separate dens across the country. By talking shop, we helped pave the way for a new insurance industry." Feldman authored one of the first books on long term care and care insurance, "When Caring Isn't Enough" (ISBN-13: 978-1891042119), published in 2000.

Peter Gelbwaks, Network founding member and Chairman of Gelbwaks Insurance Services, Inc., observed: "Who could've though you could put competitors together and that they would actually agree to help each other out? This situation continues to this day and has greatly benefited the individual members, the Network as an entity and the LTCI industry overall."

Founding member Barry Eldridge, President of Individual Commercial Brokerage, Inc., commented on how the LTCi industry and sales have changed since the Network was founded 15 years ago: "Client knowledge of long term care insurance was almost nonexistent, while today they know about the product. In the past, LTCi sales were about protecting assets, and now they are mainly about protecting income." Commenting on the secret of the group's longevity, Eldridge continued: "In the Midwest there's a saying 'I'd have you over for dinner,' meaning that I approve of your character. With all Network partners, I can say I'd have them over for dinner."

The Network site: www.NLTCN.com.

###


Copyright © 2009 by National LTC Network and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/09-1028-ltcnet_72dpi.jpg

Story Title: Trailblazing Long Term Care Insurance Organization Celebrates 15 Year Anniversary
• REFERENCE KEYWORDS/TERMS: long term care, , , national ltc network, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (National LTC Network); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Wed, 28 Oct 2009 13:45:46 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance, Long Term Care

LTC Hotline Offers Competitive Long Term Care Insurance Quotes by Phone and Internet

Author: LTC Financial Partners
Dateline: Thu, 15 Oct 2009

freeNewsArticles Story Summary: “KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- LTC Hotline - a one-stop shopping center - promises to simplify the process of finding the right long term care policy from the right carrier at the right price. 'Traditionally,' says Jonas Roeser, 'consumers had to meet with an agent in person, or try to compare confusing quotes from multiple carriers. Now they can find the best policy and price for their situation, from any of several top carriers, just by calling a toll-free number.' Or, if they prefer, they can request help online.”



A R T I C L E:

KIRKLAND, Wash., Oct. 15 (SEND2PRESS NEWSWIRE) -- LTC Hotline - a one-stop shopping center - promises to simplify the process of finding the right long term care policy from the right carrier at the right price. "Traditionally," says Jonas Roeser, "consumers had to meet with an agent in person, or try to compare confusing quotes from multiple carriers. Now they can find the best policy and price for their situation, from any of several top carriers, just by calling a toll-free number." Or, if they prefer, they can request help online.

Roeser is Senior Vice President of Marketing and Operations for LTC Financial Partners LLC (LTCFP), which runs LTC Hotline. LTCFP is one of the nation's largest and most experienced long-term care insurance agencies, representing multiple carriers.

LTC Hotline by phone: 1-888-831-6579
LTC Hotline by Internet: ltchotline.com.

The value and convenience of this one-stop shopping should not be underestimated, according to Roeser.

The advantages include:

• Impartial expertise: The LTC Hotline puts people in touch with independent experts. "Unlike agents tied to one company, our agents represent several competing insurance companies," says Roeser. "They're impartial."

Jonas Roeser• Depth of knowledge: "With the LTC Hotline, you don't get someone reading from a script. You talk directly with a real expert, someone licensed in your state who specializes in LTC insurance and only that."

• Time saving: With the LTC Hotline, there's no need to make an appointment to meet an agent in your home. "You get personalized attention right away, through the phone and by communicating electronically," Roeser explains. "Also you can get printed information by Internet download, rather than waiting for the U.S. mail."

• Better coverage: The LTC Hotline includes a system that assembles policy features matching an individual's needs. "It's like having a car tailor-made for you in the factory," says Roeser. "Except a real, live expert oversees and manages the whole process."

• Appropriate cost: Since the service can assemble features the consumer wants, it can also leave out features that do not apply. "Why pay for something you don't really need?" Roeser says.

Those who contact the LTC Hotline may request "Dignity for Life," a definitive guide to long term care insurance. It's available free to those who request it - immediately by digital download, or by mail in physical form. Online - at ltchotline.com - visitors may view a video, "3 in 4 Need More Than Regular Health Insurance."

###


Copyright © 2009 by LTC Financial Partners and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/09-0910-3in4ltc_72dpi.jpg

Story Title: LTC Hotline Offers Competitive Long Term Care Insurance Quotes by Phone and Internet
• REFERENCE KEYWORDS/TERMS: 3 in 4 need more, , , long term care, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (LTC Financial Partners); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Thu, 15 Oct 2009 05:59:27 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance

LTCFP to Offer Seminars on Long-Term Care Options for USAA Members

Author: LTC Financial Partners LLC
Dateline: Tue, 15 Sep 2009

freeNewsArticles Story Summary: “KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Today, LTC Financial Partners LLC (LTCFP) announced an agreement with USAA to offer long-term care education and discounted policies to USAA's 7.2 million members. Through a series of 1,300 free seminars nationwide, LTCFP and USAA will highlight the critical need for long-term care insurance and present the various public and private financing options that are available.”



A R T I C L E:

KIRKLAND, Wash., Sept. 15 (SEND2PRESS NEWSWIRE) -- Today, LTC Financial Partners LLC (LTCFP) announced an agreement with USAA to offer long-term care education and discounted policies to USAA's 7.2 million members. Through a series of 1,300 free seminars nationwide, LTCFP and USAA will highlight the critical need for long-term care insurance and present the various public and private financing options that are available.

"Providing information on long-term care in a face-to-face setting supplements the advice that our member service reps provide our members every day," said Chris Claus, president of USAA Financial Services Group. "By attending LTCFP seminars, our members will better understand the importance of long-term care to their overall financial security."

Denise Gott"For those with very limited assets, Medicaid may be the right care source," said Denise Gott, LTCFP's chairman. "For those with larger incomes or estates to protect, private long-term care insurance may be preferable. For some, depending on where they live, a state partnership program may be best, consisting of private insurance backed by Medicaid. During the seminars for USAA members, we'll discuss choices appropriate for all families regardless of their income, and we'll discuss the various tax incentives."

"Right now with existing law, if they own LTC insurance, they may be eligible for a tax deduction of $320 to $3,980, depending on age and other factors," said Gott.

About LTCFP:

LTC Financial Partners LLC (LTCFP) is one of the nation's largest and most experienced long-term care insurance agencies. It includes 550 independent agents, all specialists in long-term care insurance. Inc. magazine recently placed LTCFP No. 12 in the insurance category in its annual ranking of the 5,000 fastest-growing companies in the nation. Among insurance agencies, LTCFP is the fastest-growing one focusing exclusively on long-term care insurance sales. The LTCFP home site is at www.ltcfp.com.

About USAA:

USAA, a diversified financial services group of companies, is among the leading providers of financial planning, insurance, investments, and banking products to members of the U.S. military and their families. For the past three years, Business Week magazine ranked USAA among the top two "Customer Service Champs," highlighting their legendary commitment to providing highly competitive financial products for 7.2 million members. For more information about USAA, or to learn more about membership, visit www.usaa.com.

###


Copyright © 2009 by LTC Financial Partners LLC and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/09-0915-USAA_72dpi.jpg

Story Title: LTCFP to Offer Seminars on Long-Term Care Options for USAA Members
• REFERENCE KEYWORDS/TERMS: long term care education, , , usaa ltc seminars, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (LTC Financial Partners LLC); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Tue, 15 Sep 2009 06:00:05 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance

CASH-First LTCi Aligns with the Progression of Care (and Cost) of LTC

Author: GoldenCare USA
Dateline: Tue, 25 Aug 2009

freeNewsArticles Story Summary: “MINNEAPOLIS, Minn. (SEND2PRESS NEWSWIRE) -- GoldenCare USA and American Independent Marketing explain their new portfolio of long-term care products from United of Omaha Life Insurance Company, a Mutual of Omaha company, as providing benefits that coincide with the progression of care and costs normally occurring in a long term care scenario.”



A R T I C L E:

MINNEAPOLIS, Minn., Aug. 25 (SEND2PRESS NEWSWIRE) -- GoldenCare USA and American Independent Marketing explain their new portfolio of long-term care products from United of Omaha Life Insurance Company, a Mutual of Omaha company, as providing benefits that coincide with the progression of care and costs normally occurring in a long term care scenario.

In the early stages of a long term care situation, family members typically step in to provide care for a loved one. But there's usually a cost associated with that care. Whether it's an airline ticket, rental car or the lost wages of the caregiver, the CASH-FirstSM Advantage benefit makes funds available when they're needed most - on the First Day of benefit eligibility.

As the need for care increases, so do the costs. Eventually, more care than family members can provide may be necessary. After satisfying the elimination period, a CASH-FirstSM policy can switch to reimbursement mode to cover actual long term care incurred expenses such as home health care, assisted living and nursing homes, as needed, up to 100 percent of the policy's maximum monthly benefit.

The fact that a CASH-FirstSM policy can reimburse incurred expenses or continue to be a monthly cash benefit long term care policy until the maximum lifetime benefit is exhausted provides maximum flexibility to family caregivers to provide for the care of their loved one for as long as possible.

Cash benefit policies have long provided maximum flexibility and peace of mind, but often were viewed as too expensive. Now, United of Omaha makes cash benefit / reimbursement policies available at rates comparable to other companies' policies that only pay for reimbursement of eligible incurred expenses.

United of Omaha's CASH-First Advantage is available on both individual and workplace products.

For more information, go to www.cashfirstltc.com or call CASH-FirstSM Marketing at 800-566-2097.

For producer use only. Not for use with the general public.

###


Copyright © 2009 by GoldenCare USA and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/09-0818-CashFrst_72dpi.jpg

Story Title: CASH-First LTCi Aligns with the Progression of Care (and Cost) of LTC
• REFERENCE KEYWORDS/TERMS: cash first advantage, , , long term care policy, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (GoldenCare USA); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Tue, 25 Aug 2009 07:59:37 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance

CA$H-First LTCi Provides First-Day Cash Benefits at Affordable Rates

Author: GoldenCare USA
Dateline: Tue, 18 Aug 2009

freeNewsArticles Story Summary: “MINNEAPOLIS, Minn. (SEND2PRESS NEWSWIRE) -- GoldenCare USA and American Independent Marketing are pleased to bring you a new portfolio of long-term care products from United of Omaha Life Insurance Company, a Mutual of Omaha company, which features a 'first day' cash benefit at affordable rates. Cash benefit policies have long provided maximum flexibility and peace of mind, but often were viewed as too expensive.”



A R T I C L E:

MINNEAPOLIS, Minn., Aug. 18 (SEND2PRESS NEWSWIRE) -- GoldenCare USA and American Independent Marketing are pleased to bring you a new portfolio of long-term care products from United of Omaha Life Insurance Company, a Mutual of Omaha company, which features a "first day" cash benefit at affordable rates.

Cash benefit policies have long provided maximum flexibility and peace of mind, but often were viewed as too expensive. Now, United of Omaha makes cash benefit policies available at rates comparable to the lower priced reimbursement-only policies.

These new products offer the CA$H-FirstSM Advantage, which gives policyholders and their families the freedom to choose what's best for them - cash or traditional reimbursement - at the point they are eligible for policy benefits. The cash benefit makes cash available on "day one" with no elimination period to satisfy and can be used however the policyholder prefers - on anything, anytime, anywhere.

Of course CA$H-First policies also have the traditional nursing home, assisted living and home health care reimbursement benefits available as needed after satisfying the elimination period.

United of Omaha's CA$H-FirstSM Advantage is available on both individual and workplace products.

For more information, go to www.CashFirstLTC.com or call CA$H-First Marketing at 800-566-2097.

For producer use only. Not for use with the general public.

###


Copyright © 2009 by GoldenCare USA and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

• Web Image (72dpi): https://www.send2press.com/mediaboom/09-0818-CashFrst_72dpi.jpg

Story Title: CA$H-First LTCi Provides First-Day Cash Benefits at Affordable Rates
• REFERENCE KEYWORDS/TERMS: cash first ltci, , , long term care products, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (GoldenCare USA); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Tue, 18 Aug 2009 07:00:00 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance

Long-Term Care Leader Joins ‘3 in 4 Need More’ Campaign to Promote LTC Protection for All

Author: LTC Financial Partners LLC
Dateline: Wed, 12 Aug 2009

freeNewsArticles Story Summary: “KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners LLC (LTCFP) announces joining the 3 in 4 Need More campaign, which was launched yesterday by the LTC Guild, a social network focusing on the long-term care industry and those served by it. In its advertising and public relations, LTCFP will employ the '3 in 4 Need More' logo and other visuals, publicly available from LTC Guild, to promote affordable long-term care insurance for all Americans.”



A R T I C L E:

LTC Financial Partners is First National Organization to Participate in Campaign Started by LTC Guild, a Social Network.

KIRKLAND, Wash., Aug. 12 (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners LLC (LTCFP) announces joining the "3 in 4 Need More" campaign, which was launched yesterday by the LTC Guild, a social network focusing on the long-term care industry and those served by it. In its advertising and public relations, LTCFP will employ the "3 in 4 Need More" logo and other visuals, publicly available from LTC Guild, to promote affordable long-term care insurance for all Americans.

Denise Gott"We'll use the campaign to spread an important message," says Denise Gott, Chairman of the Board of LTCFP (www.ltcfp.com) one of the nation's largest and most experienced long-term care insurance agencies. "Every family needs protection from longer-lasting illnesses or injuries that are all too likely to strike."

"The '3 in 4 Need More' campaign will highlight that point," Gott says, referring to a statement from the U.S. Department of Health and Human Services that at least 70 percent of people over age 65 will require some long-term care services at some point in their lives (www.longtermcare.gov). "It's official," says Gott. "Our Government says three in every four of us are going to need more than ordinary health care, which focuses on acute, shorter-term care needs, not extended care."

The need for long-term care is with us, but "90 percent of us who are susceptible have no LTC protection beyond Medicaid, which is intended for those without assets," Gott says. "More of us lack long-term care insurance than lack regular health insurance."

3 in 4 Need MoreBy broadcasting the "3 in 4 Need More" message, LTCFP seeks to (1) raise public awareness of the need for long-term care insurance, (2) mobilize support for new tax incentives to make the insurance more affordable, and (3) press for Medicaid reform to reserve public aid for the truly needy.

Among other things, LTCFP plans to integrate the logo and message into their Long Term Care Outreach and Education Program (LTCOEP™). "This will help corporations, associations and other organizations educate their people on the critical importance of protecting themselves," says Gott.

"With or without our direct help, we hope many other organizations mount their own '3 in 4 Need More' campaigns," Gott adds. "It will take a groundswell of communication to make the significant difference we need."

The "3 in 4 Need More" slogan is available without charge to LTC Guild members for uses that support getting this message out. Jonas Roeser, Senior Vice President of Marketing and Operations for LTCFP, came up with the basic idea for the campaign. He was also instrumental in founding the national LTC Guild, and his company contributed funds to create the "3 in 4 Need More" logo and other visuals.

"LTCFP is happy to support the LTC Guild as well as the American people in this important effort," says Gott. She also encourages others in her industry to launch their own "3 in 4 Need More" campaigns. "Together we can make a huge difference."

The "3 in 4 Need More" logo and other items are available free to all who belong to or join the LTC Guild, at www.ltcguild.com. Membership costs nothing.

###


Copyright © 2009 by LTC Financial Partners LLC and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

Story Title: Long-Term Care Leader Joins '3 in 4 Need More' Campaign to Promote LTC Protection for All
• REFERENCE KEYWORDS/TERMS: ltc awareness campaign, , , long-term care insurance, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (LTC Financial Partners LLC); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Wed, 12 Aug 2009 06:00:05 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.
Insurance

‘Long Term Care Insurance for All of Texas,’ New Website Announced

Author: Lone Star LTC Co.
Dateline: Wed, 13 May 2009

freeNewsArticles Story Summary: “DALLAS, Texas, May 13 (SEND2PRESS NEWSWIRE) -- Lone-star state residents seeking long term care insurance can now enjoy one-stop shopping via the Internet. The site, 'Long Term Care Insurance for All of Texas' is operated by Lone Star LTC Co., headquartered in Dallas and with offices in Austin and Houston.”



A R T I C L E:

Texans Now Have One Source of Advice and Quotes from Multiple Carriers

DALLAS, Texas, May 13 (SEND2PRESS NEWSWIRE) -- Lone-star state residents seeking long term care insurance can now enjoy one-stop shopping via the Internet. The site, "Long Term Care Insurance for All of Texas" -- at www.lonestarltc.com -- is operated by Lone Star LTC Co., headquartered in Dallas and with offices in Austin and Houston as well as Dallas. "With our new website," says Shawn Davis, a principal of Lone Star LTC, "Life just got easier for Texans who want impartial help finding the right LTC protection."

Lone Star LTCThe site offers more than one-stop convenience. Features include:

* Access to quotes from multiple insurance carriers licensed by Texas.

* Advice on which carrier offers the best policy for a particular person's or employer's special circumstances.

* When relevant, the "asset disregard" benefit that is useful for Texans who deplete their insurance benefits and need to apply for Medicaid.

* Expertise gained through thirty years of combined experience solely dedicated to long term care insurance.

Much information -- such as what long term care insurance is and why it's needed -- is available on the site. Additional information may be requested by phone. A "Custom Quote" page allows visitors to request multiple competitive quotes by filling out a form. A free booklet about LTC insurance, "Dignity for Life," may also be requested.

Davis, a past member of the National Agent Advisory Committee, founded the Greater Austin LTC Guild in November 2006 and testified before Senate Committee on legislative Senate Bill 22 on the importance of long term care planning for Texas residents.

A former nurse at Parkland Hospital in Dallas, Flanagan switched to the long term care insurance field when she saw how families were impacted financially and emotionally while trying to care for their loved ones. She has trained hundreds of other agents in the LTC field.

Roebuck has been specializing in the long term care industry since 1993, and has a passion for helping clients protect themselves and their families against the potential emotional, physical and financial damage that is often associated with the affects of long term care.

All three are available to area groups and companies for briefing sessions, after-dinner talks, and lectures. And all work closely with other professionals such as attorneys, accountants, and financial advisors who share their concern for the financial, health and lifestyle goals of clients.

They may be reached at the following locations:

* Dallas: 214-221-2777 (Cathy Flanagan)
* Austin: 512-342-7833 (Shawn Davis)
* Houston: 281-431-4033 (Kat Roebuck).

More information: www.lonestarltc.com.

*(PHOTO 72dpi: Send2Press.com/mediaboom/09-0513-LoneStar_72dpi.jpg)

*(Photo Caption: Lone Star LTC Co. Principals Cathy Flanagan, Kit Roebuck and Shawn Davis (clockwise).)

###


Copyright © 2009 by Lone Star LTC Co. and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

Story Title: 'Long Term Care Insurance for All of Texas,' New Website Announced
• REFERENCE KEYWORDS/TERMS: long term care insurance, , , Lone Star LTC, Insurance, , , .

IMPORTANT NOTICE: some content which is considered "old" or "archival" may reference an event which has already occurred; some content possibly considered "advertorial" may also reference a promotion or time-limited/sensitive offering, and in all of these instances certain material may no longer be valid. For notably stale content, you should directly contact the company/person mentioned in the text (Lone Star LTC Co.); this site cannot assist you with information about products/services mentioned in the news article, nor handle any complaints or other issues related to any person/company mentioned or promoted in the above text. Information believed accurate but not guaranteed as of original date of story [Wed, 13 May 2009 06:27:07 GMT].

USE THIS CONTENT FOR FREE: To use this content in your newspaper, broadcast outlet, news portal, blog/ezine or similar, free of cost, CLICK HERE to learn how.