Insurance, Long Term Care, Senior Citizen Interests

Industry Leader Broadens Focus from Long-Term Care Insurance to Long-Term Care Solutions, Responding to Changing Consumer and Business Needs

Author: LTC Financial Partners LLC
Dateline: Kirkland, Washington (KIRKLAND, Wash.)  | Tue, 29 Oct 2013

freeNewsArticles Story Summary: “LTC Financial Partners, LLC (LTCFP), one of America's largest and most experienced long-term care insurance agencies announces a bold shift from its traditional focus on LTC insurance to a broad, balanced focus on multiple ways to pay for care.”



ARTICLE:

LTC Financial Partners, LLC (LTCFP), one of America's largest and most experienced long-term care insurance agencies announces a bold shift from its traditional focus on LTC insurance to a broad, balanced focus on multiple ways to pay for care.

"People can relax," says Denise Gott, LTCFP's Executive Vice-President. "Now, when they come to us, whoever they are or whatever their situation, help is at hand, whether it's an LTC policy or something else."

The multiple options include:
* Long-term care insurance,
* Annuities,
* Life insurance policies with LTC riders,
* Reverse mortgages,
* Critical illness insurance, and
* Other solutions in the works.

The broader market thrust will be led by Mark Goldberg, LTCFP's new National Sales Manager, who joined the company earlier this month. He will work closely with Gott and CEO Cameron Truesdell.

"We are thrilled to have Mark driving this effort," says Gott. "He's been in the business since 1991, advised every major carrier, and led sales for an LTC industry pioneer, ACSIA, for eight years."

One secret of Goldberg's success is single-minded support of professional team members.

"I tell the specialists, you are the solution," Goldberg says. "It's not the product but they themselves that make the difference, serving as knowledgeable, caring advisers."

About LTC Financial Partners LLC (LTCFP):

LTCFP - http://www.ltcfp.com/ - serves employee groups and associations as well as individuals. The company is a co-founder and sponsor of the "3 in 4 Need More" campaign, which seeks to alert Americans to the long-term healthcare crisis, and to multiply the number protected by long-term care planning.

Long a leader in the insurance and financial fields, Goldberg will continue to serve as Treasurer of the 3in4 Association and Director of American Senior Services, Inc.

###


Copyright © 2013 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.

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Story Title: Industry Leader Broadens Focus from Long-Term Care Insurance to Long-Term Care Solutions, Responding to Changing Consumer and Business Needs
• REFERENCE KEYWORDS/TERMS: Mark Goldberg, Kirkland, Washington, long term care, Insurance, Finance, Senior Citizen Interests, 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 [Tue, 29 Oct 2013 05:00:31 GMT].

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NEWS SOURCE: LTC Financial Partners LLC :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by Send2Press® Newswire, a service of Neotrope®.
Books and Publishing, Senior Citizen Interests

Kickstarter Project ‘Smile, You’re Living Longer’ Features Cartoon Signposts to Better Lifespans, Not Just Lengthier Ones

Author: EraNova Institute
Dateline: Mountain Lakes, New Jersey (MOUNTAIN LAKES, N.J.)  | Wed, 16 Oct 2013

freeNewsArticles Story Summary: “EraNova Institute today announced a Kickstarter crowd funding project, 'Smile, You're Living Longer!' When completed, it will be an eBook of Long-Term Health CareToons(TM) that clarify life-improving choices for today's longer-living seniors and working-age adults.”



ARTICLE:

EraNova Institute today announced a Kickstarter crowd funding project, 'Smile, You're Living Longer!' When completed, it will be an eBook of Long-Term Health CareToons(TM) that clarify life-improving choices for today's longer-living seniors and working-age adults. "A lifespan isn't what it used to be," says Dick Samson, EraNova's Director, who will lead the project.

Samson continued: "It's no longer the old five-part drill: learn, earn, retire, decline, expire." Since more of us are living into our 70's, 80's, 90's, and beyond 100, and since we're blessed with a growing range of health and lifestyle options, "It's a whole new ballgame."

Now, Samson points out, there are many ways to:
* Learn, but never stop learning,
* Earn longer if we need or want to,
* Pursue new dreams instead of retiring passively,
* Put off and minimize decline,
* Get a bang out of life up until the end.

"Most people haven't tumbled to the most important new opportunities," says Samson. "There's a ton of information, but it's scattered and often contradictory. Digesting it can be time-consuming and boring. That's why I came up with CareToons(TM), to convey the most vital facts, weeding out the jargon and junk."

The humorous presentation adds efficiency. "People just smile and get the point. It couldn't be simpler."

CareToons(TM) will help people:
* Look at thornier issues such as someday needing help with tasks of daily living (long-term care),
* Focus on key facts about diet, exercise, and lifestyle choices that promote extra years of productivity.
* Explore today's senior-living options, ranging from culture-rich assisted-living communities to modifications of one's current home,
* Review the many ways to pay for quality senior living and care,
* Access the cornucopia of life-enriching options for those who stay active and involved.

Unlike self-help, Samson's approach never prescribes. It informs through pleasant bursts of insight.

Although aimed at consumers, the CareToons(TM) may also be used by professionals to make points with clients or constituents. These pros include healthcare providers, suppliers of health-promoting services or products, insurance agents, financial advisers, managers of senior-living and home-care services, community leaders, and public policy makers.

For the project description and sample CareToons(TM), visit the Kickstarter page: http://www.kickstarter.com/projects/23182138/smile-youre-living-longer .

With brevity and ebullience, the project will touch on many of today's hottest issues: healthcare, health reform, Obamacare, long-term care insurance, prevention and preventive medicine, mental health, Alzheimer's disease, food and nutrition, exercise and fitness, environmental health, wellness and wellness programs, incomes for people of all ages, the politics of wealth and poverty, and more.Samson.

###


Copyright © 2013 by EraNova Institute and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

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Story Title: Kickstarter Project 'Smile, You're Living Longer' Features Cartoon Signposts to Better Lifespans, Not Just Lengthier Ones
• REFERENCE KEYWORDS/TERMS: Dick Samson, Mountain Lakes, New Jersey, CareToons ebook, Books and Publishing, Health, Senior Citizen Interests, MOUNTAIN LAKES, N.J..

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 (EraNova Institute); 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, 16 Oct 2013 05:01:47 GMT].

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NEWS SOURCE: EraNova Institute :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by Send2Press® Newswire, a service of Neotrope®.
Hospitals and Nursing, Medical, Senior Citizen Interests

Four Seasons Receives HRSA Grant Expanding Hospice and Palliative Care in Eight WNC Counties

Author: Four Seasons Compassion for Life
Dateline: Flat Rock, North Carolina (FLAT ROCK, N.C.)  | Thu, 26 Sep 2013

freeNewsArticles Story Summary: “Rural and medically underserved populations of eight western North Carolina counties will now have improved end of life care, thanks to a model education and training program of Four Seasons Compassion for Life. The program is funded by Health Resources and Services Administration, a division of the U.S. Department of Health and Human Services.”



ARTICLE:

Rural and medically underserved populations of eight western North Carolina counties will now have improved end of life care, thanks to a model education and training program of Four Seasons Compassion for Life. The program is funded by Health Resources and Services Administration, a division of the U.S. Department of Health and Human Services.

Buncombe, Henderson, Jackson, Macon, Polk, Rutherford, Swain and Transylvania counties fall within the medically underserved areas which will receive improved hospice and palliative care services from Four Seasons. Six of the eight counties are also designated as primary health care professional shortage areas, making the grant's emphasis on professional practice particularly relevant.

For those with life-limiting or advanced illness, "the program will improve patient outcomes and quality of life, and reduce costs for all parties involved," according to Rebekah Reeves, a registered nurse and program director.

"The patient and family remains at the center of everything we do," says Renee Barnwell, a registered nurse who serves on the program team with Reeves as project manager.

Led by specially trained nurse leaders, patient-centered teams will share information across disciplines, creating and expanding opportunities for professional collaborations at all levels.

The program is fully funded by a $1,419,046 federal grant disbursed in installments by HRSA over three years, with a substantive focus on nurse leadership through education, practice, quality, and retention. In order to fully benefit rural and medically underserved populations in western N.C., the program involves co-operation and collaboration with local hospitals, area universities, and community-based non-profits, among others.

"We don't want to keep this program to ourselves," says Barnwell. "This way of practicing nursing is a way to develop, implement, and achieve very high patient outcomes, reduce costs related to health care, and increase patient and family satisfaction."

The overarching goal is to enhance Four Seasons' existing team model into a robust, sustainable collaborative practice model which can be shared with other hospice and palliative care providers at the regional, state and national levels.

"Rural Americans suffer a heavier disease burden than those living in urban areas," Chris Comeaux, chief executive officer of Four Seasons, said. "Rural counties tend to be poorer by comparison, and individuals in rural counties in western North Carolina are more likely to live below the poverty line."

In western North Carolina, the poverty level ranges from 12.4 percent to 20.5 percent of the population, compared with 16.2 percent for the state.

Additionally, in 2013, in Buncombe County alone, the numbers of individuals aged 60 and over is expected to nearly double, he says. By some estimates, 42.8 percent of Buncombe County residents are already either baby boomers or older. In neighboring Henderson County, the number of persons aged 65 and older is 23 percent, compared with the state average of 13 percent.

Four Seasons Compassion for Life - http://www.fourseasonscfl.org/ - is a state leader in hospice and palliative care, serving individuals across western North Carolina.

"The disparity in social and economic status in rural areas throughout the region is underscored by needs of an aging population," adds Comeaux. "We are very excited that this program will directly address those needs and have a direct impact on the future of palliative and end of life care."

###


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Story Title: Four Seasons Receives HRSA Grant Expanding Hospice and Palliative Care in Eight WNC Counties
• REFERENCE KEYWORDS/TERMS: Palliative Care, Flat Rock, North Carolina, hospice care, Hospitals and Nursing, Medical, Senior Citizen Interests, FLAT ROCK, N.C..

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 (Four Seasons Compassion for Life); 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, 26 Sep 2013 14:39:26 GMT].

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Long Term Care, Medical, Senior Citizen Interests

Numbers of Buncombe, Western North Carolina Residents Living with Serious Illness on the Rise, says Four Seasons Compassion for Life

Author: Four Seasons Compassion for Life
Dateline: Asheville, North Carolina (ASHEVILLE, N.C.)  | Wed, 07 Aug 2013

freeNewsArticles Story Summary: “According to Four Seasons Compassion for Life, North Carolina area services, options and support result in relocation of patients in need of long-term care options. Fewer than 15 minutes: That's how long it took for a Virginia neurologist to tell Karen Zimmerman, then 51, a member of the Board of Directors of the National Alzheimer's Association, the results of her medical tests.”



ARTICLE:

According to Four Seasons Compassion for Life, North Carolina area services, options and support result in relocation of patients in need of long-term care options. Fewer than 15 minutes: That's how long it took for a Virginia neurologist to tell Karen Zimmerman, then 51, a member of the Board of Directors of the National Alzheimer's Association, the results of her medical tests.

The conversation went something like this: "I'm sorry to tell you, ma'am, but you have young onset Alzheimer's disease. Don't worry, you have many years of productive life ahead of you." Then, as the physician wrote out two prescriptions, he said, "You're not going back to work ever."

There was no follow-up, recalls her husband, Keith Holdsworth. Zero.

Today, Zimmerman, 56, and Holdsworth, live in the Fletcher home they began building in 2005, three years before Karen's diagnosis. Through Alzheimer's advocacy work, the couple heard North Carolina might offer the support Karen needed. Taking a closer look, and confirming their impression, they relocated to Buncombe County. Previously planning to relocate to be near their daughter, who has lived in Asheville for 15 years, they amped up their plans.

The numbers of Buncombe County residents like Zimmerman who live with the emotional and financial burdens of a long-term illness are on the rise, say regional experts. Contributing factors include the popularity of the Asheville area as a relocation destination, the region's aging population, and high mortality rates.

"Information and support for living with a serious illness is needed before an illness occurs, not after," says Chris Comeaux, CEO of Four Seasons Compassion for Life, Flat Rock, which provides assistance to those living with a serious illness through hospice or palliative care.

Zimmerman's first visit with an Asheville physician in December 2010 took more than three and one-half hours. He interviewed both Karen and Keith, weighing her evaluation, diagnostics, and the mental and physical elements associated with living with a serious illness.

The visit was "vastly different than having no information in Virginia," says Holdsworth.

Understanding Patient Needs:

Patients living with serious or long term illness aren't simply demographics or statistics, says Comeaux. They're people first. And the experience of living with a serious illness impacts not only the person who's sick, but also every member of that person's family and extended community.

"Each person's journey through illness affects every aspect of their lives, whether their journey leads to recovery or transition," he says.

Life changes, such as family and social dynamics, can be a source of comfort or difficulty. In Zimmerman's case, relocation has been a source of comfort. Despite the isolation while Keith is working, Karen has developed a network of neighbors and friends, and has taken up pottery as a hobby.

"The kindness of people here is off the charts," says Holdsworth.

As a long term illness progresses, everyone involved may feel emotions, including the person who is seriously ill. The patient can experience anger and loss deeply as they watch health and well-being slip away. Others, remain determinedly hopeful.

"I'm optimistic, keep things going, and take life one day at a time," says Zimmerman. "There's just no other way to do it on this mountain. I just keep on doing and keep on doing."

Right now, she's putting up berries.

"I pull out the food, and the food is good." She adds, "Right now, in my hands, I have a half a pint of blueberries. I've got 40 quarts put up."

She sees the richness of life on "my mountain" as viable confirmation that the course they've chosen is the right one. As Zimmerman's needs change, so will the choices. Holdsworth is already thinking ahead to the resources needed to manage Karen's symptoms as they increase.

"Patient needs encompass symptom management as well as the practical, personal considerations, whether that person is being cared for in a home, in a traditional setting such as a hospital, or in hospice," says Comeaux.

Care settings and needs are individualized based on the type of illness, prognosis, and personal situation and beliefs, says Comeaux. These include care-giving options and settings, recovery support, and more practical concerns about managing the logistics of illness, financially and emotionally.

Holdsworth says the support needs to be present for the family and caregiver who have known and loved this person as they were before the illness progressed.

"Pretty much everyone needs to see some kind of support when they see the iceberg that was the person melt away," he says.

Comeaux agrees. "The search for meaning in our lives in the face of disease is a journey which affects us all," he says.

About Four Seasons:

Four Seasons is a non-profit hospice and palliative care organization led by a dedicated team of health care professionals, social workers, spiritual care professionals and volunteers. Four Seasons currently serves patients in Henderson, Buncombe, Macon, Jackson, Transylvania and surrounding counties. For information on Four Seasons, visit http://www.fourseasonscfl.org/ or please call 828-526-2552.

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Copyright © 2013 by Four Seasons Compassion for Life and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

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Story Title: Numbers of Buncombe, Western North Carolina Residents Living with Serious Illness on the Rise, says Four Seasons Compassion for Life
• REFERENCE KEYWORDS/TERMS: Living with Alzheimers, Asheville, North Carolina, hospice care, Long Term Care, Medical, Senior Citizen Interests, ASHEVILLE, N.C..

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 (Four Seasons Compassion for Life); 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, 07 Aug 2013 13:14:44 GMT].

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NEWS SOURCE: Four Seasons Compassion for Life :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by Send2Press® Newswire, a service of Neotrope®. Original syndication source of this news item: http://www.send2press.com/newswire/Numbers-of-Buncombe-Western-North-Carolina-Residents-Living-with-Serious-Illness-on-the-Rise-says-Four-Seasons-Compassion-for-Life_2013-08-0807-001.shtml.
Hospitals and Nursing, Medical, Senior Citizen Interests

Janet Bull, Chief Medical Officer of Four Seasons Compassion for Life, is a Nominee for Top 25 Visionaries in the Field

Author: Four Seasons Compassion for Life
Dateline: Flat Rock, North Carolina (FLAT ROCK, N.C.)  | Wed, 24 Jul 2013

freeNewsArticles Story Summary: “Janet Bull, M.D., chief medical officer of Four Seasons Compassion For Life, is a nominee for American Academy of Hospice and Palliative Medicine's list of top 25 visionaries in the field. Bull provides psychological and spiritual support to her patients exceeding the norm in the wider medical field.”



ARTICLE:

Janet Bull, M.D., chief medical officer of Four Seasons Compassion For Life, is a nominee for American Academy of Hospice and Palliative Medicine's list of top 25 visionaries in the field. Bull provides psychological and spiritual support to her patients exceeding the norm in the wider medical field.

"Palliative care includes mind, body, and spirit," Bull says. "I guide or collaborate with the team to enhance the meaning in patients' lives while affecting the best care."

Earlier this year, Bull received the Josefina B. Magno Distinguished Physician Hospice Award from AAHPM in recognition of the quality services, innovative programs, and exemplary dedication to the practice of palliative medicine in a hospice setting.

"In celebration of its 25th Anniversary, AAHPM has chosen to recognize 25 hospice and palliative medicine 'visionaries' who have greatly influenced the development and expansion of the field," says Chris Comeaux, president and chief executive officer of Four Seasons.

"Dr. Bull made a significant impact in the field during the past 25 years," added Comeaux. "We are delighted that her contribution has been recognized by her peers."

To narrow the field to the final 25 visionaries chosen, more than 100 individuals were nominated by Academy members based on their development and expansion of the field. Individual voters may support up to 10 of these nominees for their significant contribution in the field.

Votes may be cast online prior to July 31, 2013: http://www.surveygizmo.com/s3/1275369/AAHPM-25th-Anniversary-Visionaries .

"Dr. Bull's contributions to the field certainly deserve to be recognized," says Comeaux. "We encourage everyone who feels drawn to vote to do so."

The top 25 visionaries will be announced later this year as part of AAHPM's 25th anniversary celebration.

Janet Bull, M.D., is chief medical officer at Four Seasons Hospice Compassion for Life ( http://www.fourseasonscfl.org/ ), which is a state leader in hospice and palliative care, serving individuals across western North Carolina. She is the 2013 recipient of the Josefina B. Magno Distinguished Hospice Physician Award by the American Academy of Hospice and Palliative Medicine, which recognize quality services and innovative programs and exemplary dedication to the practice of palliative medicine in a hospice setting.

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Story Title: Janet Bull, Chief Medical Officer of Four Seasons Compassion for Life, is a Nominee for Top 25 Visionaries in the Field
• REFERENCE KEYWORDS/TERMS: Janet Bull MD, Flat Rock, North Carolina, Palliative care, Hospitals and Nursing, Medical, Senior Citizen Interests, FLAT ROCK, N.C..

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 (Four Seasons Compassion for Life); 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, 24 Jul 2013 18:43:45 GMT].

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NEWS SOURCE: Four Seasons Compassion for Life :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by Send2Press® Newswire, a service of Neotrope®. Original syndication source of this news item: http://www.send2press.com/newswire/Janet-Bull-Chief-Medical-Officer-of-Four-Seasons-Compassion-for-Life-is-a-Nominee-for-Top-25-Visionaries-in-the-Field-by-the-American-Academy-of-Hospice-and-Palliative-Medicine_2013-07-0724-003.shtml.
Insurance, Long Term Care, Senior Citizen Interests

Now Everyone Can Plan for Long-Term Care; Updated ‘3in4’ Guide Offers Overview of Product and Living Options, Fitting All Situations

Author: LTC Financial Partners LLC
Dateline: Kirkland, Washington (KIRKLAND, Wash.)  | Wed, 24 Jul 2013

freeNewsArticles Story Summary: “The newly revised guide, '3in4 Need More: Long Term Care Planning TODAY,' succinctly describes more than half a dozen government or private financial options. The 36-page publication is offered free by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with the 3in4 Association, the publishers.”



ARTICLE:

The newly revised guide, "3in4 Need More: Long Term Care Planning TODAY," succinctly describes more than half a dozen government or private financial options. It also details care options ranging from at-home care to assisted living in plush senior residences. The 36-page publication is offered free by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with the 3in4 Association, the publishers.

There are new sections offering an overview of -
* Critical illness insurance,
* Reverse mortgages,
* Combination products such as life insurance policies with LTC riders, and
* Veterans Administration (VA) benefits.

Together with 12 other sections, the updated guide covers all the basics of planning for care when people can no longer do such things as walk, eat, or bathe unaided.

Should one hire a home-care aide or move to some kind of facility? What's the best option if you're rich, poor, or in between? The new edition helps answer such questions and more.

"We're delighted to make this information available free to organizations and individuals throughout America," says Denise Gott, LTCFP's National Sales Manager. "We think it can help individuals make a happier transition to a new way of life. And we think it can help companies maintain productivity by educating their employees, so they won't have to worry about a loved one's care needs instead of focusing on work."

Based on the premise that "3in4 Need More" than healthcare insurance, the guide helps the reader --
* Understand the odds of needing care and the risks of not having a long-term care plan,
* Do the research necessary for developing a plan,
* Decide on the best primary way to pay for care (self-insuring, Medicaid/Medicare, long-term care insurance),
* Work with a specialist (when LTC insurance is appropriate) to select the best carrier and design the best policy,
* Consider other means of addressing care costs, ranging from annuities earmarked for care to conversion of life insurance policies into long-term care benefits,
* Decide between a wide variety of senior care & living options.

Copies of the guide may be requested from the following specialists:
CA: Phyllis Solgere -- 909-627-5587
CA: Laura Weber -- 714-674-0190
CA: Sarah Fisher -- 510-230-4301
CA: Jim Valentine -- 408-792-0540
CA: Petra Petry -- 949-351-0347
CA: Art Neibrief -- 707-974-8282
CT: Larry Golfin -- 860-677-4075
CT: Steve Foss -- 860-539-0674
CT: Leonard Wik -- 860-432-1870
FL: George Braddock -- 305-378-8091
FL: Janet Washburn -- 239-404-7590
GA: Belen Hickman -- 404-245-2444
GA: Amy Pollock -- 404-237-1189
ID: Linda Hicks -- 208-331-2803
IL: Robin Frank -- 773-774-2600
IN: Kirk Bennett -- 260-969-1310
MI: Tom Varner -- 810-796-2405
MN: Jennifer Ragborg -- 952-898-2750
MO: Wendy Rinehart -- 816-886-2358
MO: Keith Eisberg -- 573-303-3007
NE: Larry Heinert -- 402-339-8643
NE: Larry Neuwirth -- 308-635-2023
NJ: Michael B. FitzPatrick -- 862-242-8787
NJ: Richard Landau -- 201-476-0880
NJ: James Cundari -- 973-450-1074
NY: Steve Brefere -- 914-234-7767
NY: Virginia Lee Kintz -- 866-582-6074
NY: Sheila White -- 631-893-4040
NY: Jennifer Lenihan -- 631-262-7167
NY: Susan Lenihan -- 631-262-7167
NY: Jay Charno -- 516-935-4029
NY: Gene Cutler -- 516-869-6767
NY: Michael Robinson -- 516-612-4936
NY: Ronald Brie -- 212-799-3900
NY: Dana Dee -- 716-983-1316
NY: Ray Donnelly -- 516-747-1809
NY: Peter Molnar -- 800-588-9406
OH: Thomas Hodges -- 513-519-6010
OH: John Cullen -- 419-797-9210
OH: Pattianne Baran -- 216-409-0859
OH: Brenda Gray -- 513-541-3968
OK: Samuel Walker -- 405-816-0868
OR: Diane Steeves -- 503-297-7677
PA: Kevin Bressler -- 610-783-6970
PA: Anthony Camill -- 412-445-6171
PA: Cathy Allen -- 610-588-0852
SC: Madeline Wade -- 317-259-4113
TN: Mark Wardell -- 901-337-4146
TX: Bill Holland -- 817-283-7221
TX: Kay Nettles -- 713-466-4614
TX: Kat Roebuck -- 281-431-4033
TX: Kim Beckham -- 361-579-9663
VA: Linda Sotirion -- 757-646-6820
VA: George Polizos -- 757-291-8505
VA: Patricia O'Neill -- 703-534-3255
VA: Penny Gilbert -- 703-281-0914
VA: Michael Zuchowski -- 757-467-1354
VT: Tod Warner -- 802-985-4930
WA: Christine Khemis -- 888-582-5364
WA: Lucille Smith -- 206-877-3456
WI: Lynette Schiefer -- 920-434-4559.

About LTC Financial Partners:

LTCFP -- http://www.ltcfp.com/ -- is one of America's largest and most experienced long-term care insurance agencies. The company is a co-founder and sponsor of the "3 in 4 Need More" campaign, which seeks to alert Americans to the long-term healthcare crisis, and to multiply the number protected by long-term care planning..)

###


Copyright © 2013 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.

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Story Title: Now Everyone Can Plan for Long-Term Care; Updated '3in4' Guide Offers Overview of Product and Living Options, Fitting All Situations
• REFERENCE KEYWORDS/TERMS: 3in4 Need More, Kirkland, Washington, Denise Gott, Long Term Care, Insurance, Senior Citizen Interests, 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 [Wed, 24 Jul 2013 06:00:01 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.

NEWS SOURCE: LTC Financial Partners LLC :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by Send2Press® Newswire, a service of Neotrope®. Original syndication source of this news item: http://www.send2press.com/newswire/Now-Everyone-Can-Plan-for-Long-Term-Care-Updated-3in4-Guide-Offers-Overview-of-Product-and-Living-Options-Fitting-All-Situations_2013-07-0724-001.shtml.
Family, Parenting and Children, Insurance, Senior Citizen Interests

With Dementia Cases and Care Costs Set to Double by 2040, LTC Financial Partners Offers Long-Term Care ‘Solution Set’ for Affected Families

Author: LTC Financial Partners, LLC
Dateline: Kirkland, Washington State (KIRKLAND, Wash.)  | Wed, 19 Jun 2013

freeNewsArticles Story Summary: “LTC Financial Partners, LLC (LTCFP), today announced a five-part 'solution set' for Americans facing a growing problem: how to cope when Mom, Dad or another family member succumbs to dementia, which includes Alzheimer's disease. When dementia strikes, memory and other faculties decline.”



A R T I C L E:

LTC Financial Partners, LLC (LTCFP), today announced a five-part 'solution set' for Americans facing a growing problem: how to cope when Mom, Dad or another family member succumbs to dementia, which includes Alzheimer's disease.

When dementia strikes, memory and other faculties decline. Sufferers become dependent on others for help with eating, bathing, and other tasks of daily living. If these duties fall to a family member, that person may be forced to leave a paying job or neglect their own household duties or lives.

"Our solution set helps prevent this from happening," says Denise Gott, LTCFP's National Sales Manager.

Millions will be affected as dementia cases and care costs more than double by 2040, according to federally-funded projections by RAND Corporation, recently published in the New England Journal of Medicine. In 2040, 9.1 million will suffer from dementia, up from 3.8 million in 2010. And the cost of care will mushroom to a range of $379 billion to $511 billion in 2040, up from $159 billion to $215 billion in 2010. The per-capita cost will rise more slowly, but still a whopping 80%.

LTCFP's solution set consists of -
1. Long-term care insurance, to cover care expenses for disabilities including dementia.
2. Reverse mortgages, to provide funds for long-term care while remaining in one's own home.
3. Life insurance policies with long-term care riders.
4. Annuities that include integrated long-term care coverage.
5. Critical illness insurance, available for a variety of health issues including cancer, heart disease, and dementia.

"With any or a combination of these solutions," says Gott, "Americans can breathe easier. But they should remember to get protected while memory still serves."

Information may be requested from the following LTCFP specialists:

California: Phyllis Solgere -- 909-627-5587
California: Laura Weber -- 714-674-0190
California: Sarah Fisher -- 510-230-4301
California: Jim Valentine -- 408-792-0540
California: Petra Petry -- 949-351-0347
California: Art Neibrief -- 707-974-8282

Connecticut: Larry Golfin -- 860-677-4075
Connecticut: Steve Foss -- 860-539-0674
Connecticut: Leonard Wik -- 860-432-1870

Florida: George Braddock -- 305-378-8091
Florida: Janet Washburn -- 239-404-7590

Georgia: Belen Hickman -- 404-245-2444
Georgia: Amy Pollock -- 404-237-1189

Idaho: Linda Hicks -- 208-331-2803

Illinois: Cheri Davis -- 773-531-0669
Illinois: Robin Frank -- 773-774-2600

Indiana: Kirk Bennett -- 260-969-1310

Michigan: Tom Varner -- 810-796-2405

Minnesota: Jennifer Ragborg -- 952-898-2750

Missouri: Wendy Rinehart -- 816-886-2358
Missouri: Keith Eisberg -- 573-303-3007

Nebraska: Larry Heinert -- 402-339-8643
Nebraska: Larry Neuwirth -- 308-635-2023

New Jersey: Michael B. FitzPatrick -- 862-242-8787
New Jersey: Richard Landau -- 201-476-0880
New Jersey: James Cundari -- 973-450-1074

New York: Steve Brefere -- 914-234-7767
New York: Virginia Lee Kintz -- 866-582-6074
New York: Sheila White -- 631-893-4040
New York: Jennifer Lenihan -- 631-262-7167
New York: Susan Lenihan -- 631-262-7167
New York: Jay Charno -- 516-935-4029
New York: Gene Cutler -- 516-869-6767
New York: Michael Robinson -- 516-612-4936
New York: Ronald Brie -- 212-799-3900
New York: Dana Dee -- 716-983-1316
New York: Ray Donnelly -- 516-747-1809
New York: Peter Molnar -- 800-588-9406

Ohio: Thomas Hodges -- 513-519-6010
Ohio: John Cullen -- 419-797-9210
Ohio: Pattianne Baran -- 216-409-0859
Ohio: Brenda Gray -- 513-541-3968

Oklahoma: Samuel Walker -- 405-816-0868

Oregon: Diane Steeves -- 503-297-7677

Pennsylvania: Kevin Bressler -- 610-783-6970
Pennsylvania: Anthony Camill -- 412-445-6171
Pennsylvania: Cathy Allen -- 610-588-0852

South Carolina: Madeline Wade -- 317-259-4113

Tennessee: Mark Wardell -- 901-337-4146

Texas: Bill Holland -- 817-283-7221
Texas: Kay Nettles -- 713-466-4614
Texas: Kat Roebuck -- 281-431-4033
Texas: Kim Beckham -- 361-579-9663

Virginia: Linda Sotirion -- 757-646-6820
Virginia: George Polizos -- 757-291-8505
Virginia: Patricia O'Neill -- 703-534-3255
Virginia: Penny Gilbert -- 703-281-0914
Virginia: Michael Zuchowski -- 757-467-1354

Vermont: Tod Warner -- 802-985-4930

Washington: Christine Khemis -- 888-582-5364
Washington: Lucille Smith -- 206-877-3456

Wisconsin: Lynette Schiefer -- 920-434-4559.

About LTC Financial Partners:
LTCFP - www.ltcfp.com - is one of America's most experienced long-term care insurance agencies and a co-founder and sponsor of the "3 in 4 Need More" campaign, which seeks to alert Americans to the long-term healthcare crisis.

The company is also leading a movement to make long-term care protection available as an employee benefit. Group protection information is available for executives, human resource managers, and employee benefit brokers. Information is available from the specialists as well as http://www.ltcfp.com/ltcfp/businessowners.aspx .

###


Copyright © 2013 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.

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Story Title: With Dementia Cases and Care Costs Set to Double by 2040, LTC Financial Partners Offers Long-Term Care 'Solution Set' for Affected Families
• REFERENCE KEYWORDS/TERMS: Denise Gott, Kirkland, Washington State, Alzheimers disease, Family, Parenting and Children, Insurance, Senior Citizen Interests, 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 [Wed, 19 Jun 2013 05:58:09 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, Medical, Senior Citizen Interests

Surviving a Critical Illness, Then Surviving the Cost; New Guide Offered by LTC Financial Partners, LLC (LTCFP) Tells How

Author: LTC Financial Partners, LLC
Dateline: Kirkland, Washington State (KIRKLAND, Wash.)  | Wed, 29 May 2013

freeNewsArticles Story Summary: “A new guide describes a form of insurance designed to protect against financial catastrophe on the heels of catastrophic illness. Titled 'Surviving Critical Illness Financially,' the guide is being offered free of charge by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with business partners American Independent Marketing (AIM) and GoldenCare USA, the publishers.”



A R T I C L E:

A new guide describes a form of insurance designed to protect against financial catastrophe on the heels of catastrophic illness. Titled "Surviving Critical Illness Financially," the guide is being offered free of charge by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with business partners American Independent Marketing (AIM) and GoldenCare USA, the publishers.

"We're glad to make this information available from our experts nationwide," says Denise Gott, LTCFP's National Sales Manager. "It could help millions better understand their risk of not owning a policy and the options a policy can provide."

Medical bankruptcy is a huge problem that regular health insurance often does not prevent, according to a 2009 study by Harvard and Ohio University researchers. The team reported that in 2007, more than 60 percent of all U.S. personal bankruptcies were due to medical problems. "Even more shocking," says Gott, "they found that more than 75 percent of the affected families had health insurance."

By distributing the guide at no cost, LTCFP hopes to help more people enjoy the secure future they deserve, with their retirement assets intact. The guide answers questions such as the following:
* How likely is it that I or a family member will encounter a critical illness?
* What conditions are covered by CI insurance?
* Can I get along with just CI insurance and skip regular insurance?
* Which should I choose: CI insurance, long-term care insurance, or both?

LTCFP, one of America's most experienced long-term care insurance agencies, has broadened its offerings to include multiple ways of paying for care not adequately covered by Medicare or regular health insurance. "Our tool kit now includes reverse mortgages, annuities, life insurance with LTC Riders, as well as LTC insurance," says Gott. "Critical Care Insurance is our latest addition."

The company has also led a movement to make long-term care protection available as an employee benefit. Critical illness insurance, like LTC insurance, helps organizations prosper by reducing absenteeism and loss of productivity due to financial and care-giving concerns.

"Surviving Critical Illness Financially" may be requested from the following LTC specialists:
CA: Phyllis Solgere -- 909-627-5587
CA: Laura Weber -- 714-674-0190
CA: Sarah Fisher -- 510-230-4301
CA: Jim Valentine -- 408-792-0540
CA: Petra Petry -- 949-351-0347
CA: Art Neibrief -- 707-974-8282

CT: Larry Golfin -- 860-677-4075
CT: Steve Foss -- 860-539-0674
CT: Leonard Wik -- 860-432-1870

FL: George Braddock -- 305-378-8091
FL: Janet Washburn -- 239-404-7590

GA: Belen Hickman -- 404-245-2444
GA: Amy Pollock -- 404-237-1189

ID: Linda Hicks -- 208-331-2803

IL: Cheri Davis -- 773-531-0669
IL: Robin Frank -- 773-774-2600

IN: Kirk Bennett -- 260-969-1310

MI: Tom Varner -- 810-796-2405

MN: Jennifer Ragborg -- 952-898-2750

MO: Wendy Rinehart -- 816-886-2358
MO: Keith Eisberg -- 573-303-3007

NE: Larry Heinert -- 402-339-8643
NE: Larry Neuwirth -- 308-635-2023

NJ: Michael B. FitzPatrick -- 862-242-8787
NJ: Richard Landau -- 201-476-0880
NJ: James Cundari -- 973-450-1074

NY: Steve Brefere -- 914-234-7767
NY: Virginia Lee Kintz -- 866-582-6074
NY: Sheila White -- 631-893-4040
NY: Jennifer Lenihan -- 631-262-7167
NY: Susan Lenihan -- 631-262-7167
NY: Jay Charno -- 516-935-4029
NY: Gene Cutler -- 516-869-6767
NY: Michael Robinson -- 516-612-4936
NY: Ronald Brie -- 212-799-3900
NY: Dana Dee -- 716-983-1316
NY: Ray Donnelly -- 516-747-1809
NY: Peter Molnar -- 800-588-9406

OH: Thomas Hodges -- 513-519-6010
OH: John Cullen -- 419-797-9210
OH: Pattianne Baran -- 216-409-0859
OH: Brenda Gray -- 513-541-3968

OK: Samuel Walker -- 405-816-0868

OR: Diane Steeves -- 503-297-7677

PA: Kevin Bressler -- 610-783-6970
PA: Anthony Camill -- 412-445-6171
PA: Cathy Allen -- 610-588-0852

SC: Madeline Wade -- 317-259-4113

TN: Mark Wardell -- 901-337-4146

TX: Bill Holland -- 817-283-7221
TX: Kay Nettles -- 713-466-4614
TX: Kat Roebuck -- 281-431-4033
TX: Kim Beckham -- 361-579-9663

VA: Linda Sotirion -- 757-646-6820
VA: George Polizos -- 757-291-8505
VA: Patricia O'Neill -- 703-534-3255
VA: Penny Gilbert -- 703-281-0914
VA: Michael Zuchowski -- 757-467-1354

VT: Tod Warner -- 802-985-4930

WA: Christine Khemis -- 888-582-5364
WA: Lucille Smith -- 206-877-3456

WI: Lynette Schiefer -- 920-434-4559

The guide and further educational information are also available at http://www.insuranceforcriticalillness.com/ .

About LTC Financial Partners:

LTCFP (www.ltcfp.com) is a co-founder and sponsor of the "3 in 4 Need More" campaign, which seeks to alert Americans to the long-term healthcare crisis, and to multiply the number protected by long-term care planning.

LTC Financial Partners is a licensed insurance agency that specializes exclusively in Long Term Care Insurance. Our company is composed of hundreds of state-licensed long term care insurance agents, and is one of the nation's largest long term care insurance agencies. Our mission is to provide you with excellent service, helpful advice and useful resources about long term care insurance.

We represent the nation's top long term care insurance carriers, such as John Hancock and MedAmerica, and can provide quotes that best meet your individual needs.

LTC Financial Partners performs a computer analysis to produce a list of policies matching your needs and financial situation. Then one of our agents uses his or her considerable experience to help you narrow down your choices to find the best policies and premiums.

###


Copyright © 2013 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.

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Story Title: Surviving a Critical Illness, Then Surviving the Cost; New Guide Offered by LTC Financial Partners, LLC (LTCFP) Tells How
• REFERENCE KEYWORDS/TERMS: Denise Gott, Kirkland, Washington State, LTCi Experts, Senior Citizen Interests, Insurance, Medical, 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 [Wed, 29 May 2013 20:25:17 GMT].

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Senior Citizen Interests, Taxes and Accounting

Credentials and Experience are Key When Seeking Help in a Retirement Crisis

Author: Karl Kim
Dateline: Los Angeles, California (LOS ANGELES, Calif.)  | Tue, 09 Apr 2013

freeNewsArticles Story Summary: “Retirement Planning Advisors, Inc.'s Karl Kim CFP, CLTC, is a Medi-Cal specialist who is quickly gaining a reputation for being California's 'go-to-guy' in the retirement crisis planning arena. In fact, RPA is California's first firm completely dedicated to retirement crisis planning and pre-planning.”



A R T I C L E:

Retirement Planning Advisors, Inc.'s Karl Kim CFP, CLTC, is a Medi-Cal specialist who is quickly gaining a reputation for being California's "go-to-guy" in the retirement crisis planning arena. In fact, Retirement Planning Advisors, Inc. is California's first firm completely dedicated to retirement crisis planning and pre-planning.

And with skyrocketing healthcare costs, more and more people are seeking expert assistance. A report recently released by the Alzheimer's Association says that 45 percent of people, age 85 plus, have Alzheimer's disease, and that total payments for health care, long-term care and hospice for people with Alzheimer's and other forms of dementia are projected to increase from $203 billion in 2013 to $1.2 trillion in 2050.

And, while many individuals think that they are well prepared for retirement, what happens if a crisis hits and a parent or loved one needs extended home or even nursing home care.

Kim says that there are many misconceptions out there when it comes to crisis retirement planning, so it's important to work with someone who knows the ins and outs of not only the financial side of things, but also has a comprehensive understanding of caregiver options, Medi-Cal application and recovery procedures, proper titling of assets, as well as bank and brokerage company requirements relative to powers-of-attorney.

"Therefore, it's important to plan today for tomorrow," Kim says.

As a retirement crisis planner, Kim is a sought-after expert. Most recently, he was interviewed by "Kiplinger's Personal Finance" for an article about Alzheimer's titled, "Get Your Finances in Order," that appeared in the April issue. He shared financial planning recommendations, including "It's best to start planning right away, even if your long-term care policy or savings will pay for the first few years of care."

Kim's 25 plus years experience in crisis planning allows him to advise families at any stage in a retirement crisis - from initial diagnosis through possible nursing home placement.

Additionally, Kim is also the author of "Don't Go Broke Paying the Nursing Home." He addresses how people can qualify for Medi-Cal without going broke. The book makes clear the differences between countable, unavailable and exempt assets. For example, a home, no matter the value, does not count toward Medi-Cal eligibility. And, assets that do not count toward eligibility may be subject to recovery.

Additionally, Kim is also the author of "Don't Go Broke Paying the Nursing Home" (ISBN: 978-0988902619) available on Amazon at: http://amzn.com/0988902613 .

A free report, "7 Costly Mistakes to Avoid in a Long-term Care Crisis," and more information is available at: http://karlkimco.com/ .

About Karl Kim:

Karl Kim, CFP, CLTC is the founder of Retirement Planning Advisors, California's first firm dedicated to retirement crisis planning and pre-planning.

###


Copyright © 2013 by Karl Kim and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

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Story Title: Credentials and Experience are Key When Seeking Help in a Retirement Crisis
• REFERENCE KEYWORDS/TERMS: Karl Kim CFP CLTC, Los Angeles, California, Retirement Planning Advisors Inc, Senior Citizen Interests, Health, Taxes and Accounting, LOS ANGELES, Calif..

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 (Karl Kim); 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, 09 Apr 2013 03:51:38 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.
Books and Publishing, Business, Senior Citizen Interests

California’s Retirement Crisis Planner Offers Long-Term Care and Medi-Cal Solutions in New Book

Author: Karl Kim
Dateline: Los Angeles, California (LOS ANGELES, Calif.)  | Tue, 02 Apr 2013

freeNewsArticles Story Summary: “According to retirement crisis expert. and author of 'Don't Go Broke Paying the Nursing Home' (ISBN: 978-0988902619), Karl Kim, CFP, CLTC; each year thousands of people are thrust into a 'care crisis' when a family member or loved one needs long-term care.”



A R T I C L E:

According to retirement crisis expert, and author of "Don't Go Broke Paying the Nursing Home" (ISBN: 978-0988902619), Karl Kim, CFP, CLTC; each year thousands of people are thrust into a "care crisis" when a family member or loved one needs long-term care. The challenge is not only finding the right nursing home; what can be even more challenging is figuring out how to pay for the care - and how to minimize possible damage to the rest of the family.

"That information isn't easy to find," says retirement crisis planner Karl Kim, CFP, CLTC. "Every year I speak with hundreds of adult children and their parents who have gotten bad advice, or who don't know where to turn for answers. That's the reason I wrote 'Don't Go Broke Paying the Nursing Home.' Now every Californian can understand what needs to be done to protect their home, cash and retirement accounts."

Karl Kim's book is an easy-to-read quick reference guide. It provides answers in simple language to common questions such as:

* What information do you need to provide to Medi-Cal?
* Do you need an attorney to submit the application?
* What is the maximum amount a person or couple can have to qualify for Medi-Cal?
* What is the difference between Medicare, Medicaid and Medi-Cal?
* Which assets count and which don't?
* What is the maximum amount of income a person can have and still qualify?
* When does someone apply?
* How long does the application process take?
* Do you have to be broke to qualify for Medi-Cal?

"Don't Go Broke Paying the Nursing Home" (ISBN: 978-0988902619) explains Medi-Cal Recovery procedures.

"Most people don't realize Medi-Cal is effectively a loan from the State of California," explains Kim. "If proper steps aren't taken, the state will place a claim against the home and other assets."

California's regulations covering the aging population can be difficult to keep up with. That becomes apparent in a care crisis - when what a family has "done wrong" can come back to bite them - financially and logistically.

The book is available in paperback and Kindle editions on Amazon: http://amzn.com/0988902613 .

About Author Karl Kim:

Karl Kim, CFP, CLTC, is the founder of Retirement Planning Advisors, California's first firm "dedicated to retirement crisis planning and pre-planning." Info: http://www.KarlKimCo.com/ .

###


Copyright © 2013 by Karl Kim and Send2Press® Newswire, a service of Neotrope® - all rights reserved. Information believed accurate but not guaranteed. Sourced on: freeNewsArticles.com.

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Story Title: California's Retirement Crisis Planner Offers Long-Term Care and Medi-Cal Solutions in New Book
• REFERENCE KEYWORDS/TERMS: Medi-Cal Recovery, Los Angeles, California, Retirement Planning Advisors, Books and Publishing, Business, Senior Citizen Interests, LOS ANGELES, Calif..

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 (Karl Kim); 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, 02 Apr 2013 06:54:55 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.