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What the new annuity-LTC combo products might look like [ To comment, click write to the editor. ]
Robert Grubka is vice president of variable annuity business for Lincoln Financial Group, the marketing name for Lincoln National Corp., Philadelphia, and its affiliates.
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Letter: LTC still a niche product Letter: Real reason for not buying Industry responds to NYT article Co. settles Nebraska complaint LTC-linked insurance alternative |
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| Quiz question |
As of 2006, about 200,670 LTC
Partnership policies were still in force in the 4 states that have
established Partnership Programs (California, Connecticut, Indiana
and New York). Of these, how many policyholders have exhausted their
benefits and received Medicaid?
a) just 1 b) 50 c) 175 d) 432 e) over 500
See answer
below.
| Letters to the editor |
Letter: LTC insurance still a niche product - David B. Berg writes: The March 2007 Feature article in LTC e-Wire presented the LTC dilemma quite well. (See LTC insurers face biggest issue: consumer apathy.) Although we all see the need for LTC insurance, the fact remains that LTC coverage is affordable by 20%, owned by 7%-8% and we are still waiting for the remaining 12% of the U.S. market that can afford protection. Apathy is a real issue, but that changes dramatically the moment a... click here for entire article
Letter: The real reason why consumers don’t buy LTC insurance - Stephen A. Moses writes - In response to last month’s Feature by Jim Connolly, LTC insurers face biggest issue: consumer apathy, it is no puzzle why few consumers buy long term care insurance. The vast majority of all professional LTC services (home care and nursing home services) are funded by Medicare (which has no means test) or Medicaid (which has no limit on...click here for entire letter
[ To comment on any of these letters, click write to the editor. ]
| More news and trends |
Industry responds to LTC claim complaint article - by Allison Bell - The New York Times today published a front-page article that alleges the long term care insurance industry as a whole appears to be rejecting valid claims...Conseco says the article gives a misleading impression of its LTC insurance operations. The article “contains many inaccuracies that...click here for entire article
Leveraging the estate plan with long term care insurance - By Roy C. Goldberg - Which of the following is better for your client? Option 1 calls for saving $150,000 in estate taxes today by giving $340,000 to the client’s 2 grown children, yielding approximately $7.1 million to the children in 45 years (at a growth rate of 7%). Under option 2, the client...click here for entire article
Selling by the numbers: it’s important in LTC insurance - by Ralph Leisle - Like most important buying decisions, purchase of long term care insurance involves strong emotion. Deciding to insure, selecting benefits, and making future co-pay and premium choices are among most important financial decisions the buyer makes. Future LTC insurance benefits potentially represent an individual’s largest...click here for entire article
CMS to update LTC privacy records system
When expert advice is needed, ask an expert
LTC insurance benefits paid topped $3 billion in 2006
Carrier settles Nebraska LTC complaints
LTC-linked insurance: an attractive alternative for the affluent
__________
[ To comment on any of these articles, click write to the editor. ]
The American Association for Long Term Care
Insurance has scheduled Long Term Care Awareness Week to start
Nov. 4, 2007 “This year, the focus of our awareness efforts will
be educating the millions of baby boomers who are...click
here for entire article
[ To comment, click write to the editor. ]
The answer is c. As of 2006, 175 Partnership policyholders in the four states had exhausted their LTC policies and received Medicaid benefits.
Source: Alliance for Health Reform, Washington
[ To comment, click write to the editor. ]
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