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May 2016 LTC Newsletter

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LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few third party articles.

Top News

Will the LTC Reform Proposals Go Anywhere?

The past few months have seen multiple proposals for averting the looming long-term care (LTC) crisis. The Bipartisan Policy Center, a Washington, D.C.-based think tank, published its initial recommendations for LTC financing in February. One set of recommendations focused on increasing the affordability and availability of private LTC insurance (LTCI)… Read more

Luxury Alzheimer’s

The New York Times has come out with 10 pages of award bait: “Fraying at the Edges,” an article by N.R. Kleinfield about Geri Taylor’s experiences with the early stages of Alzheimer’s disease. Taylor is a nurse who has been a health care executive. Part of her job involved overseeing home health care programs. It’s a fine, well-written article, and anyone involved with long-term care (LTC) planning has to read it. Read more

Long-Term Care Insurance: An Industry in Transition

A new thought leadership brochure “Long-Term Care Insurance: An Industry in Transition”, takes an objective look at the factors that have created challenges for the LTC industry. It also provides an overview of what John Hancock has learned and how these insights have influenced the design of our innovative Performance LTC product. View brochure

Lincoln Makes LTC Cost Data Dance

Lincoln Financial is trying to get consumers to think more about long-term care (LTC) planning by using new cost data to create what the company hopes will be must-click interactive maps. Read more

Sales Tips

A New Approach: How to Talk to Clients about Long-Term Care to Compel Them to Act

There is arguably no other unexpected event in life that creates more lasting damages to a family than the need for long-term care later in life. Yet few financial advisers understand the serious emotional, physical, and financial consequences of providing for a family member who is so frail, so fragile that he or she is no longer safe. This article gives the financial professional insight into the often irreversible consequences of providing and paying for care. Read more

Explaining the ABCs of ADLs to Clients

No long-term care insurance (LTCI) agent wants to hear a client say, “What do you mean I won’t qualify for benefits? I’ve been paying for this policy for years!” Reactions like this often result from misunderstandings regarding several aspects of the coverage: the definition of the activities of daily living (ADLs), the way LTCI benefits are triggered and the 90-day requirement. Read more

Indemnity LTCI Policies: Useful Planning Tool with Limited Availability

Home health care services are a valuable benefit for many long-term care insurance (LTCI) claimants. But finding a nearby agency can be a challenge in rural areas, making the services less readily available. Read more

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Highland Capital Brokerage

Highland Capital Brokerage

Highland Capital Brokerage is committed to developing client-focused relationships with financial advisors using our core competencies of life insurance, annuities, and long-term care. We distinguish ourselves by providing point-of-sale support, advanced marketing, and creative estate and business planning techniques.
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