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Archives for April 2012

Would Roosevelt Recognize Today’s Social Security?

April 30, 2012 by Honey Leave a Comment

For a good explanation of how Social Security’s original motives have been subverted, read the April 18, 2012 Washington Post editorial by Robert J. Samuelson. This subversion has caused Social Security to “morph” into an entitlement program, and worse, it has created entitlement expectations that are unsustainable.

Here’s a quote, “What we have is a vast welfare program grafted onto the rhetoric and psychology of a contributory pension. The result is entitlement. Unsurprisingly, AARP’s advertising slogan is “You’ve earned a say” on Social Security. The trouble is that contributions weren’t saved. They went to past beneficiaries. The $2.6 trillion in the Social Security trust fund at year-end 2010 sounds like a lot but equals slightly more than three years of benefits.”

Filed Under: Denial, Helpful Information About LTC Tagged With: AARP, Roberrt J. Samuelson, Social Security, Social Security Trust Fund, Washington Post

Video of www.3in4needmore.com

April 27, 2012 by Honey Leave a Comment

Honey Leveen at press conference for www.3i4needmore.com

Filed Under: Uncategorized

Majority are concerned about needing care

April 27, 2012 by Honey Leave a Comment

A 2011 Prudential survey  (Long-Term Care Insurance: A Piece of the Retirement and Estate Planning Puzzle. ©2011, The Prudential Insurance Company of America. 751 Broad Street, Newark, NJ) indicates that 71% of us are concerned about possibly needing long-term care.

63% of us are not confident we can pay for long-term care, yet only 17% of us own long-term care insurance (LTCi).

The survey states that most people do not understand how long-term care is paid for. People also overestimate LTCi’s cost and underestimate the probability they might need care.

If you are a consumer over the age of 40, and still don’t own LTCi, the report and my own personal experience indicate that you will be well served by taking the time to learn about long-term care and purchase LTCi now, while you can qualify and find affordable premiums!

Filed Under: Helpful Information About LTC, Information About LTC Tagged With: Long Term Care insurance, Prudential Insurance Company

Caregiving Boomers Find They Need Care Themselves

April 27, 2012 by Honey Leave a Comment

Here’s a refreshingly fair and accurate article by Diane Stafford in the April 16, 2011 Kansas City Star, titled Care-giving boomers find they need care themselves. It is about the public’s wide-scale denial of the possibility of needing long-term care. She beautifully describes the disconnect and denial I encounter from well-educated, middle-class and affluent people on an everyday basis.

I hope readers will take Ms. Stafford’s advice to heart. According to www.longtermcare.gov, the US Department of Health and Human Services site, at age 65, there is approximately a 70% chance any of us will need long-term care. I urge you to plan accordingly – NOW. Planning will ensure financial and emotional well-being for both you and your family.

Filed Under: I'll Just Self-Insure Tagged With: Diane Stafford, Honey Leveen, Information About LTC, Kansas City Star, LTCi

Coping With Caregiving

April 27, 2012 by Honey Leave a Comment

On April 30, 2011, I was honored to be interviewed by Jacqueline Marcell, author of Coping with Caregiving , speaker and host of the radio show by the same name.

The recent Urban Institute study I blogged about states that only about 10% of us over 55 years of age own LTCi.

Ms. Marcell and I talk about how it is proven that the public has mis-information about LTCi costs and likelihood, and what can be done about this.

I’m biased, but I think our conversation is engaging and useful. I want to encourage you to listen to my interview (sorry, interview no longer available on site) and share it with those you care about, who still have not planned responsibly for the possibility of needing long-term care.

Filed Under: Helpful Information About LTC, Information About LTC Tagged With: Coping with Caregiving, Jacqueline Marcell, Long Term Care insurance, Long-Term Care Planning, LTC Insurance, Urban Institute

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Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

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Open Quotation Mark"Honey - Whenever I need a clarification regarding our “LTC” you are “Johnny on the spot” responding in a very prompt manner, reassuring me, informing me in a concise way, patient with me as I massage the understanding in my own words. Your knowledge is current and expressed with confidence, offered in your conscientious and upbeat personality. Quotation Mark ClosedIt is a pleasure to work with you. Thank you for your expertise." ~ Nancy Damon, Houston, TX
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Honey Leveen, LUTCF, CLTC, LTCP
“The Queen, by Self-Proclamation, of Long-Term Care Insurance (LTCi)”
404 Royal Bonnet
Ft. Myers, FL 33908

Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

Email: honey@honeyleveen.com

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