Review
"...one of the best consumer-oriented publications of its kind available to seniors today who are in need of information on financing long-term care." --
Douglas M. Sizemore, Commissioner, Department of Commerce and Insurance, State of Tennessee"A book you should buy, that I didn't write." --
Adriane G. Berg,WABC "The Money Show", New York City"I always thought long-term care insurance was confusing. The 'Long-Term Care Planning Guide' cleared everything up for me. I especially like it because it's so honest and straightforward and it's not published by an insurance company. You can tell that Phyllis Shelton really cares about the consumer." --
Charlene Collier, Former Secretary,Tennessee Retired Teachers Association"Leading the parade of consumer guides is the 'Long-Term Care Planning Guide' ... by Phyllis Shelton ... the book presents some of the best advice for consumers we have seen in print." --
George Sherman, Managing Editor, December 1997, LTC News & Comment, Seattle, WA"Phyllis Shelton is one of the leading experts on long-term care insurance in North America today and her book 'Long-Term Care Planning Guide' is an excellent resource for anyone wanting to understand long-term care insurance...we do recommend this guide as a good understanding of how long-term care works and why you need it as an essential part of financial planning." --
Dave Ramsey, Author of the best seller 'Financial Peace' WWTN "The Money Game""Phyllis Shelton is one of the leading experts on long-term care insurance in North America today and her book, 'Long-Term Care Planning Guide', is an excellent resource for anyone wanting to understand long-term care insurance...we do recommend this guide as a good understanding of how long-term care works and why you need it as an essential part of financial planning." --
Dave Ramsey, Author of the best seller, 'Financial Peace', WWTN "The Money Game"
From the Author
Long-term care is the REAL health care crises in America. The purpose of this book is to provide families with a sense of urgency to PLAN AHEAD for long-term care and the necessary information to do so. Most Americans think long-term care is mainly nursing home care for the elderly. That is a myth. Less than 15% of people needing long-term care are in nursing homes; the other 85% are being cared for mostly at home, some in adult day care, and assisted living is the fastest growing form of long-term care. And, 40% of the people needing long-term care are working age adults, ages 18-64! At almost $50,000 a year for daily 8-10 hour shifts of home health care or semi-private nursing home care, and costs tripling in the next 20 years, I believe that long-term care is the REAL health care crisis in America. In fact, the projection is that elder care will replace child care as the #1 dependent care need in the next century because 1 out of 3 workers will be caring for an aging family member. Private long-term care insurance is the most efficient, least expensive way to plan ahead, especially when purchased at younger ages (30's - early 60's) and is still not expensive at older ages when compared to paying the actual cost of long-term care. However, LTC insurance is not for everybody. This book provides detailed information about LTC insurance that is not available in any other publication. It also give ideas for people who are unable to qualify for the insurance for health or financial reasons, such as reverse mortgages, viatical settlements, and the Medicaid program is explained in detail. You owe it to yourself and your family to plan ahead for long-term care, because oftentimes the dignity of the family depends on the financial resources available when a tragedy strikes. My goal is to help families retain dignity when long-term care is needed, and I believe the Long-Term Care Planning Guide is a huge step in that direction for those families that take advantage of its information. Thank you.
