Those passing the examination got a LTC-CE credit, acceptable to Florida among other states.
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But they also find that private LTC insurance is very expensive relative to its benefits.
Keep in mind that this insurance, like traditional LTC overage, is not health insurance.
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Pincus also believes an employer mandate would significantly boost the number of workers who would buy LTC insurance.
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The Medicare program is designed to provide for medical care, not the cost of long-term care (LTC).
Advisers who are sold on LTC as a planning tool are not waiting.
As a result, some sort universal coverage is the only way to make LTC insurance truly affordable for middle-income households.
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Today the LTC provides leadership development opportunities for almost 3, 000 young people every summer from every county in the Commonwealth.
Insurance officials tell me privately that, even in the best case, perhaps 20 percent of Americans would buy voluntary LTC insurance.
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Towards complying with the LTC-CE certification, Lincoln authorized its wholesalers to give financial advisors vouchers from SCE, a CE provider.
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The older we become the greater the chance that we will one day be in need of Long Term Care (LTC).
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Retirees can enjoy income from the annuity while at the same time having the protection of LTC insurance if it's needed.
Halliday sees aging baby boomers, many of whom are now dealing with their parents' elder-care needs, as good prospects for LTC sales.
On January 7, 2009, Roddey improperly used that answer key to complete the SCE Florida LTC-CE examination in violation of FINRA Rule 2010.
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Another suggestion: Require that companies over a certain size offer LTC insurance and force workers to buy unless they make an active choice to reject insurance.
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New tax policies may soon make LTC insurance more palatable.
Whether you're up on the details of LTC insurance or not, it's increasingly clear that part of the job of preparing for retirement is anticipating the costs of long-term care.
Renacci, who founded the healthcare company LTC Management Services, lists assets in five individual funds, each of which contains investment funds, and holdings at the state and municipal level, as well as corporations.
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The American Association for Long-Term Care Insurance found in a study that applicants for LTC insurance who were in good health (typically, younger applicants) qualified for discounts of up to 20% a year.
The facilities of the LTC have been greatly improved and expanded during my tenure and are excellent but what are most important are NOT the facilities but rather the educational focus on leadership development.
Their ideas include simplifying and standardizing insurance products, indexing premiums annually instead of requiring carriers to ask for big rate increases every few years, allowing insurers to sell high-deductible plans (where buyers could be responsible for as much as two years of LTC costs), and better educating consumers about the price of long-term care and the limited government resources available to pay for it.
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