From ltc-sales_discussions@ltpcalums.com Fri Oct 31 02:02:10 2003 From: ltc-sales_discussions@ltpcalums.com (ltc-sales_discussions@ltpcalums.com) Date: Thu, 30 Oct 2003 21:02:10 EST Subject: [LTC-Sales_Discussions] RE: [LTC Sales Discussions] Who should NOT own LT... Message-ID: <107.27fdaa2b.2cd31ca2@aol.com> --part1_107.27fdaa2b.2cd31ca2_boundary Content-Type: text/plain; charset="US-ASCII" Content-Transfer-Encoding: 7bit Don't worry about the name. Present the benefits of the Kanawha plan and the name does not seem so important. Example, what company offers a two year facility plan, plus 2 years of home care and then adds two years of adult day care and two years of hospice care. That's realistically a 6 1/2 year plan for a two year premium. Then offer the return of premium at an unreal low rate and then tell them the name. Penn Treaty has raised their rates significantly, one client 71%. Will probably have more. Like one of the emailers indicated we will probably see more rate increases. --part1_107.27fdaa2b.2cd31ca2_boundary Content-Type: text/html; charset="US-ASCII" Content-Transfer-Encoding: quoted-printable Don't worry about the name. Present the benefits of th= e Kanawha plan and the name does not seem so important. Example, what compan= y offers a two year facility plan, plus 2 years of home care and then adds t= wo years of adult day care and two years of hospice care. That's realistical= ly a 6 1/2 year plan for a two year premium. Then offer the return of premiu= m at an unreal low rate and then tell them the name.

Penn Treaty has raised their rates significantly, one client 71%. Will proba= bly have more. Like one of the emailers indicated we will probably see more=20= rate increases.
 --part1_107.27fdaa2b.2cd31ca2_boundary-- From ltc-sales_discussions@ltpcalums.com Fri Oct 31 02:32:00 2003 From: ltc-sales_discussions@ltpcalums.com (Barbara Hanson) Date: Thu, 30 Oct 2003 18:32:00 -0800 Subject: [LTC-Sales_Discussions] Fw: LTC E-Alert #3-058--How LTCI Reduces Elder Abuse Message-ID: <000b01c39f57$49924640$4339fea9@pacbell.net> Here is the real reason for LTC insurance-and a great6 mailing list to keep you professionals MOTIVATED! ----- Original Message ----- From: Center for Long-Term Care Financing To: Sent: Thursday, October 30, 2003 10:07 AM Subject: LTC E-Alert #3-058--How LTCI Reduces Elder Abuse > LTC E-Alert #3-058--How LTCI Reduces Elder Abuse > > Thursday, October 30, 2003 > > LTC Comment: Never doubt for a moment that long-term care insurance > reduces elder abuse. The primary cause of elder abuse is caregiver > burnout. Too often, people explode and strike out when they can no longer > withstand the emotional, physical and financial strain of providing > long-term care. It happens in long-term care facilities, but as the > following news items states, it happens much more often at home and by > family members. In either setting, the underlying cause is the > same: inadequate financing of long-term care. Most institutional > long-term care is provided in Medicaid-financed nursing homes at > reimbursement rates less on average than the cost of providing the > care. Such nursing homes cannot afford to offer salaries sufficient to > attract enough qualified and responsible caregivers. When care is provided > for free by family in the home, the caregivers need professional help and > respite care to relieve the pressure and prevent burnout. In either case, > Medicaid nursing homes or family caregiving, long-term care insurance is > the solution, helping nursing homes with their cash flow and empowering > families to purchase adult day care, respite care and professional assistance. > > ------------------ > > "LTC Daily Analysis Briefs Senate Hearing Addresses Elder Abuse in > Families WASHINGTON, DC -- 10/21/2003 -- (Eli Digital) The Senate Special > Committee on Aging yesterday held a hearing to examine elder abuse within > families. While abuse of residents at long-term care facilities makes > headlines, most perpetrators of elder abuse -- 61.7 percent -- are members > of the victim's family. Getting an accurate picture of the problem is > complicated by the fact that an estimated 84 percent of elder abuse goes > unreported. Among those testifying at the hearing were a prosecutor, a > police officer, policy experts and a 66-year-old woman who was drugged and > financially exploited by her son and daughter-in-law. For more information > on the event and to read prepared testimony, click > here." > http://aging.senate.gov/index.cfm?Fuseaction=Hearings.Detail&HearingID=36 > > Source: LTC Daily Analysis Briefs, October 21, 2003, prepared by > http://www.eliresearch.com/ for http://www.snalfnews.com/ > http://www.snalfnews.com/AnalystNews.cfm?id=3377 > ------------------ > > "LTC E-Alerts" are a feature offered by the Center for Long-Term Care > Financing to donors of $150 per year or more. We'll track and report to > you news and analysis regarding long-term care financing, service delivery, > and research. We hope The LTC E-Alerts will help you attain and maintain a > high level of knowledge and competency in this complex field. The Center > for Long-Term Care Financing is a 501(c)(3) charitable, nonprofit > organization dedicated to ensuring quality LTC for all Americans > (http://www.centerltc.org/). > > A formatted version of today's LTC E-Alert is available at > http://www.centerltc.org/members/e-alerts/ltc_ea3-058.htm From ltc-sales_discussions@ltpcalums.com Fri Oct 31 04:07:49 2003 From: ltc-sales_discussions@ltpcalums.com (ltc-sales_discussions@ltpcalums.com) Date: Thu, 30 Oct 2003 23:07:49 EST Subject: [LTC-Sales_Discussions] Power Point or Overhead LTCi Presentation Message-ID: <12c.343738ae.2cd33a15@aol.com> --part1_12c.343738ae.2cd33a15_boundary Content-Type: text/plain; charset="US-ASCII" Content-Transfer-Encoding: 7bit Phyllis Shelton has a great set of slides and a powerpoint. Her address is LTCconsultants.com Kevin M. Lynch Grand Prairie, TX --part1_12c.343738ae.2cd33a15_boundary Content-Type: text/html; charset="US-ASCII" Content-Transfer-Encoding: quoted-printable Phyllis Shelton has a great set of slides and a powerp= oint.  Her address is
LTCconsultants.com

Kevin M. Lynch
Grand Prairie, TX --part1_12c.343738ae.2cd33a15_boundary-- From ltc-sales_discussions@ltpcalums.com Fri Oct 31 12:13:08 2003 From: ltc-sales_discussions@ltpcalums.com (Denise R. Molohon) Date: Fri, 31 Oct 2003 07:13:08 -0500 Subject: [LTC-Sales_Discussions] New Orleans Producer Summit In-Reply-To: <20031028162148.14256.qmail@web12406.mail.yahoo.com> Message-ID: Rich, I'll be attending with Missy VanderWaal. We are business partners with Long Term Care Benefits in Indianapolis, Indiana. Hope to see you there! Denise R. Molohon, CSA, LTCP -----Original Message----- From: ltc-sales_discussions-admin@ltpcalums.com [mailto:ltc-sales_discussions-admin@ltpcalums.com] On Behalf Of Rich Cohen Sent: Tuesday, October 28, 2003 11:22 AM To: ltc-sales_discussions@ltpcalums.com Subject: [LTC-Sales_Discussions] New Orleans Producer Summit I am attending the LTC Producer Summit in New Orleans on Nov 17 & 18. I'm curious who else on this bulletin board is going? Thanks. Rich Cohen CSA, CLTC LTC Specialist - Managing Associate Registered Representative NEW ENGLAND FINANCIAL 168 South River Road Bedford, NH 03110 603-668-8380 Ext. 156 rcohen@maine-nh.nef.com _______________________________________________ LTC-Sales_Discussions mailing list LTC-Sales_Discussions@ltpcalums.com http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions From ltc-sales_discussions@ltpcalums.com Fri Oct 31 14:55:35 2003 From: ltc-sales_discussions@ltpcalums.com (Louis Fontanella Jr.) Date: Fri, 31 Oct 2003 09:55:35 -0500 Subject: [LTC-Sales_Discussions] Restrictions in home care, other provisions esp. Hancock Message-ID:

The Stay at home benefit addresses the Alternate  Plan of Care Issue, What restrictive Home Care Issues

 
 
800-763-0301 ext. 108
973-451-9840 ext. 108
 
Lou Fontanella Jr.
Registered Representative
>From: "Ida Keir"
>Reply-To: ltc-sales_discussions@ltpcalums.com
>To:
>Subject: [LTC-Sales_Discussions] Restrictions in home care, other provisions esp. Hancock
>Date: Wed, 29 Oct 2003 18:16:22 -0500
>
>I've been an LTCI specialist in New Hampshire for almost 3 years. I have a
>legal background and have become increasingly interested in the fine points
>of policies, esp. re home care. Really good "salespeople" are often not
>very interested in these fine points, which is discouraging to me. Anyway,
>I'm esp. troubled by two fine points in the very popular John Hancock
>policy: 1. Restrictive provisions re home care (I can go into more details
>if you want); 2. No alternate plan of care provision.
>
>Interestingly, their new policy, Custom Care II, does not change these
>provisions or include alternate plan of care, even though they are
>specifically adding new features to make their product attractive to younger
>clients.
>
>It very much concerns me that a 40-year-old is being urged to buy a policy
>that has no alternate plan of care included, and with home care
>restrictions. Does this concern other people? Words of wisdom? It
>certainly doesn't seem to bother lots of my colleagues.
>
>I normally point out these restrictions to prospects and let them make the
>choice, but it doesn't feel like a good solution to me.
>
>Ida Keir
>Certified Senior Advisor
>Tel. 603-778-4232; 800-978-4232
>Fax. 603-778-9321
>www.primeoflifeinsurance.com
>
>
>
>_______________________________________________
>LTC-Sales_Discussions mailing list
>LTC-Sales_Discussions@ltpcalums.com
>http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions

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