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Archives for April 2018

Can’t the Government Pay For This?

April 23, 2018 by Honey Leveen Leave a Comment

MoneyThere is a growing trend in the United States. More and more Americans now want the government pay for programs that meet our daily needs. Does this surprise you? It sure isn’t what I expected to find.

For years, the rallying cry has been for smaller government. In fact, this recent shift marks the first time in 8 years that a majority of Americans now favor an increase in government participation. A report from the Pew Research Center found that most Americans think the government is doing too little to help young people, the elderly, the middle class and the poor.

This new trend was also reported by William A. Galston’s article (WSJ, “Americans Want Big Government“):

“In the NBC/Wall Street Journal poll last month, 58% of Americans—the highest share ever recorded—agreed that ‘government should do more to solve problems and help meet the needs of people,’ compared to only 38% who thought that ‘government is doing too many things better left to businesses and individuals.”

Galston also cited a Kaiser survey that reports an interest in increased spending on defense and education.

As early as 2017, a separate Pew survey found broad support across both Republicans and Democrats for increased spending on veterans’ benefits, infrastructure, scientific research, environmental protection and assistance to the needy.

Can the Government Pay for Programs?

Not this government. Not today. “The federal deficit is big and getting bigger… Its balance sheet reveals that the public debt will reach $15.7 trillion by October.” And these numbers don’t include “unfunded liabilities, reported by the Social Security and Medicare Trustees, that are four times the current public debt.” (John F. Cogan, WSJ, “Why America is Going Broke.“)

So, if you’re counting on Medicaid…

I’ve written a number of articles urging you to become more self-reliant when planning for your future. Our nation’s financial uncertainty does not have to limit your access to quality care. You just need to do a little planning today.

The first step is to click here to receive your personal quote for Long Term Care Insurance.

 

 

Filed Under: Information About LTC, Long-Term Care Awareness Month, Medicaid Planning Tagged With: Medicaid Planning, Wall Street Journal

State of the LTCi Industry – 2018 Update

April 7, 2018 by Honey Leveen Leave a Comment

LTCi Converence 2018
I spoke on a well-attended panel on branding. Clockwise from upper left: me, Denise Lott, Marilee Driscoll, Betty Doll.

I’ve just returned from the largest long term care insurance (LTCi) conference in the world and my head is still spinning! I got to experience so many fantastic speakers and participate in some great conversations. Throughout the week, I mingled with about 1,000 actuaries, claims people, insurance regulators, top management and marketing colleagues. One of the highlights of my year, it is always invigorating to spend time with these professionals in the LTCi industry.

The LTCi Industry is Alive and Kicking!

I am happy to report that the LTC insurance industry is alive & kicking and in solid financial condition. New asset-based LTC products have given the industry an additional boost. Known as “combo” or “hybrid products, these solutions are helping more and more people find ways to protect their future.

What has not changed over the years is the #1 reason people postpone or even avoid purchasing this important coverage. They just don’t believe that they’re going to need professional medical care in their later years. They convince themselves that the government will pay for it if they do. The media often portrays LTC insurance in an undeserved negative light. If an article describes a family’s tale of hardship, the fact that their LTCi coverage actually helped gets buried. LTC is truly the Rodney Dangerfield of insurance!

The need to protect ourselves from the high risk and high costs associated with LTC is not going away. In fact, the need is growing as the Boomers age.  For most of us, there is still no better way to fund long term care than with insurance. Fortunately, the LTCi industry remains committed to offering excellent policies at reasonable cost.

There is still no substitute for the dignity, choices and access only LTC protection provides!

Is LTC insurance the right choice for you? Click here to receive your personal quote for Long Term Care coverage.

Filed Under: Helpful Information About LTC, Information About LTC Tagged With: Helpful Information About LTC, Information About LTC

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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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