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Search Results for: self insure

Affluent People Should Self-Insure for LTC, Right?

October 31, 2017 by Honey Leveen Leave a Comment

Many affluent people believe that they’re better off using their own money to self-insure long term care (LTC) needs. They view their savings and investments as their personal safety net, their rainy day fund. And yet, with all that financial preparation, they still can’t face the facts when their health declines and it becomes time to get extra care. Acknowledging the truth about your health is very emotional, no matter how much money you have.

When You Self-Insure Long Term Care

The easy part is recognizing that you will, at some time in the distant future, need long term care. Choosing to fund these needs from personal savings could end up working against you.

  • First of all, with no formal policy in place, how do you know when it’s the right time to start stepping up your level of care? Your long term care insurance has specific guidelines.
  • Secondly, an LTC insurance plan provides a blueprint for your loved ones to follow. Without this blueprint, nobody really knows how much care you intended to receive.
  • Even for the highly affluent, financial planners describe unplanned LTC costs as a dangerous “spending shock” that should be avoided.

Once you have a good LTC insurance plan in place, be sure to let your family know about it. Share your plans so they know what you want. Unnecessary sibling disagreements about money may be avoided.

Both affluent and non-affluent families suffer from postponing receiving the care that they need in their later years.

Here’s a great story by Christine Benz, who shares in her opening paragraphs how her parents could well afford to self-insure for long-term care (LTC), but her family denied the need!

Check out my testimonials page for examples of affluent and non-affluent families where LTCi ownership made a huge difference for the better.

I encourage you to avoid denial of your need for long term care! Use your LTCi as you originally intended: to prevent you from being a burden on those you love. Live out your life in comfort and grace!

Click here if you’d like a free quote on long term care insurance for you or someone you love.

Filed Under: I'll Just Self-Insure, Uncategorized Tagged With: Long Term Care insurance, LTCi, self-insure

Pseudo Journalism Schlock, the Sequel

August 18, 2013 by Honey Leveen Leave a Comment

MasqueradingAs I promised in my prior blog, Pseudo Journalism Schlock, Part 1, here are a few corrections to Clark Howards error-riddled piece masquerading as journalism. You will find the following comments, and more, posted at the bottom of Mr. Howard’s piece. The very best commenter is last.

Jesse Slome Executive Director American Association for Long-Term Care Insurance comments:

“Some good info some outdated info (including companies that no longer offer this product). May I suggest starting with 4 consumer guides that are a quick read and offer current facts and suggestions on ways to make this most affordable. You can find them at http://www.aaltci.org/long-term-care-insurance-costs and NO sign-in info is required to access them.  Today, because of the many changes, it really pays to work with a long term care insurance specialist. That is someone who has helped 100 (or more) people get this protection.”

From Phillip Sullivan President – SellingLTC.com www.sellingltc.com:

“An insurance company’s financial rating does not guarantee there will never be a premium increase. Premium increases are caused by product pricing and current interest rates (which have been historically low for some time). Case in point, State Farm (Rated A++) increased its rates in 2012 on their LTCi policies sold from 1997-2001 in 15 states, (including Georgia with a 12% average increase) and other states increased as high as 40%. You further recommend using an independent broker who can shop the market. This is good advice, except independent brokers cannot sell State Farm, USAA, Northwestern Mutual or New York Life.”

From D.O Long Term Care Specialist. PO Box 1654 Snellville Ga 30078:

“As stated by Mr. Slome, some good info while some outdated info also. States Farm does not work with independent brokers and the plans they tend to recommend do not include the compounded inflation protection options which is highly recommended for younger folks as well as required for the Georgia Partnership Program. In addition, I disagree with the idea of not buying ltc if you are rich. Rich folks do not self insure their homes or health insurance. Why would anyone want to self insurance a potential risk that can result in financial ruins. They are various options from traditional ltc policies to hybrids plans. Best time to look into ltc is while you are in good health. The younger the better for obvious reasons.”

And here’s my very favorite comment, from “Signed, A concerned life and securities professional”:

“Hey Clark, if you want to provide your opinion, then state that it is an OPINION. You are not licensed by the State of Georgia as an insurance agent, nor are you federally licensed to provide financial advice on stocks, mutual funds, and any other investment platform. Stop providing ADVICE of every kind, as although I am sure you have good intentions, you ARE NOT LICENSED TO PROVIDE ADVICE, and many of your readers/listeners will accept your words as gospel. Your comment where you say “you should not buy LTC insurance if you are very wealthy or don’t have a lot of assets” is not necessarily wrong, however it is not wholeheartedly accurate. Blanket statements are unacceptable in our profession, and only by an individual/family working with a duly licensed professional can proper and case specific information and advice be provided. I am licensed in many states as a life agent AND as a securities professional. MY opinion is that by providing incomplete information, you are causing more harm than good. Even if ONE PERSON makes a poor decision based on your incomplete information, you are doing a disservice to my profession. As I work for a national firm with a large compliance department, I cannot sign my name because I did not get preapproval to write this note. This is because many large firms want to make sure that all written communication with clients meets both the firm’s and various regulatory requirements. Even if I had preapproval, I could not write an article such as yours, because it was incomplete and somewhat misleading.”

Filed Under: Correcting Ignorant Public Figures, Helpful Information About LTC Tagged With: AALTCI.org, Honey Leveen, Jesse Sloome, Phillip Sullivan, www.honeyleveen.com

Same Old Story

February 2, 2021 by Honey Leveen Leave a Comment

Just a few months ago Al was enjoying his wife, family and traveling. An acute health event occurred – an aneurism, I think. Now Al will need a tremendous amount of long-term care, for a long time. His family was unprepared for this.

While the circumstances are not that unusual, this particular story hit me hard. Al is my age, only about 68; he was my high school classmate.

This couple had successful careers and saved for retirement. They were constructive, active, engaged, intelligent, business-literate people. But they didn’t prepare properly for long-term care (LTC). If their situation is like most I encounter, an ethical and wise professional, like me, probably knocked on their door many years ago asking to introduce them to how LTC insurance works. They decided they didn’t need LTC insurance and were comfortable enough to self-insure for LTC. After all, they probably wouldn’t need it.

They are now stoically in reactive mode, cobbling together Al’s plan of care, under duress. I bet they do have the money to self-insure for Al’s LTC but they’re reluctant to use it, especially because Al’s need for care could last decades.

Al may need round the clock care. If they had LTC in place, it would pay enough to at least offer respite, possibly changing the wife’s caregiver role enough so that she had opportunity to enjoy her husband’s company.

The following is his wife’s post, the names have been changed:

“Al was transferred to *** **** Lab on 1/18 and it took several more days to wait for Covid results. By the time I finally saw Al, 6 weeks had gone by since I called 911. The family had daily FaceTime conferences with Al while he was in the ICU, but nothing could have prepared me for how lethargic he appeared. Al did remember me, but correct orientation was so limited. I went into a panic mode when a few days later, I was informed that Al’s discharge date to our home would be on 2/11 and that he would require 24 hour supervision for safety, home health and a nurses aide. My mind worked overtime trying to get answers and accommodate our home while planning to keep Al safe. It was much easier to spend whole days at Al’s bedside. Our time together was just as sweet and tender as could be.
THEN, during the second week of rehab, Al started to wake up! He had more periods of lucid wakefulness. His eyes were open and he could hold his head up. Many of his positive, adorable attributes started to emerge, including wanting to wear the “executive director” hat when working with a young speech pathologist. He has such a strong intellect! Al is learning to motor plan for getting from in/out of a chair/bed and using a walker 300 ft with 2 rest breaks and physical assistance. His appetite is getting better and he can feed himself, brush his teeth and use an electric razor, with supervision to stay on task.
I’m being truthful to all of you so that there are no misunderstandings or hopeful inflations of what Al can and cannot do at this time. Al is making progress every day and it may take a year or more. Currently, Al has a limited understanding of his struggles and concrete orientation to time and place continues to be a challenge. He is trying to fill in the blanks of his memory files and it is our responsibility to ensure that he files the correct information. I discovered that this is why watching tv is not helpful!
Discharge planning is underway and all home equipment will be ordered. ***, ***, ***** and I did a complete Do it yourself makeover of Al’s ground floor home office. This room is accessible and a place where we will be living for however long it takes. We are lucky that we planned this addition with a ramp and French doors. In addition, there is an attached efficiency kitchen and full bathroom.
I help the nurses and therapists with Al’s care. I am lucky that patient care and rehab are the foundation of my OT career. This part does not intimidate me at all. While Al is at home, we will set up a daily schedule with music, current events for time and place, self help, seated cooking, games with grandkids, etc. Home will be a good place for continued recovery.
Before we left on our trip, we were in the process of joining ALL of our accounts and passwords. We ran out of time and did not complete this task, which was a big and costly mistake. Now that Al is not able to manage those accounts, I’m am locked out and and I had to obtain legal representation. My advice to friends and family, handle your affairs. Wrap it up in a bow for your trusted partner, family member or friend.
Thank you for all of the continued notes of love and concern. Al’s group of Brother/friends and wives/partners are a lifeline. I plan to lean on them once they get their covid shots. For all others offering help, that time will come when I may ask you.
Bye for now,”

Filed Under: I'll Just Self-Insure, Information About LTC, Uncategorized Tagged With: Excuses For Not Buying LTCi, home health care, Information About LTC

Affluent Retirees Won’t Spend Their Money!

August 22, 2018 by Honey Leveen Leave a Comment

Money in shape of heartAffluent people often tell me they don’t need long-term care insurance (LTCi). They’ll self-insure, instead. This is contrary to my experience.

Traditional retirement planning typically calls for a gradual drawing down of savings to produce retirement income. Contrary to this long-held belief, a recent study published by Employee Benefit Research Institute (ERBI) proves otherwise. In fact, affluent retirees do not want to spend their money!

As illogical as it sounds, this is a point I have been writing about for years. Retirees find great comfort in the size of their nest egg and there is too much uncertainty in their future.

ERBI’s new study shows affluent retirees (with over $500,000 in non-housing savings) had only spent down 11.8 percent of their savings within the first twenty years of retirement. This is far less than projected. In fact about one-third of sampled retirees increased their assets over that period.

Relaxing About the Future

My strong opinion, based on nearly 30 years of client observation, is this: LTC insurance ownership releases people from an ever-present gray storm cloud of a possible LTC need looming on the horizon. The gray cloud grows ever larger with each passing year. Let’s call it the LTC Storm Cloud. It’s caused by fear of an unexpected, unplanned for, possibly catastrophically expensive “Spending Shock“, caused by a chronic long term care need.

An AHIP study released in 2014 (email me at honey@honeyleveen.com for the actual study) confirms LTC insurance owners get 35% more hours of care, as well as many additional advantages, such as increased independence and dignity, decreased financial stress, higher quality family relationships, and the list goes on.

The reason LTC insurance owners obtain more care is because they’re not paying for it out of their income or savings.

I see people denying their true need for care all the time. Often, it’s because they have the money for it, but just don’t want to spend it. They’re afraid of losing their wealth. Don’t let this happen to you!

When you’re ready to get some peace of mind about your future needs, click here to receive a no-obligation quote for your personal LTCi policy.

 

Filed Under: Helpful Information About LTC, I'll Just Self-Insure, Information About LTC, Misinformation About LTC, Uncategorized

Why & How Reputable Media Continues to “get” LTCi Wrong

January 18, 2018 by Honey Leveen 2 Comments

News cloud with how and whyThis blog has become my repository for correcting an error riddled, inflammatory Wall Street Journal article published last week.

Here’s a very accurate Forbes article refuting the WSJ article. It’s inately

My colleagues Steve Moses and Claude Thau wrote the following comments in response to this Wall Street Journal article titled “Millions Bought Insurance to Cover Retirement Health Costs. Now They Face an Awful Choice”.

Even a publication as credible and august as the Wall Street Journal can report things wrong.

I will add that in the nearly 30 years I’ve been a long-term care insurance (LTCi) specialist, faulty coverage like this still “gets to me”! LTCi has always been disparaged by the press, probably because it is a complex product that journalists don’t have time to properly research before deadlines. I also understand that inflammatory coverage attracts more readership.

This has led to widespread misinformation. My many long-term care insurance claimants will tell you LTCi is an extremely valuable, transformative, product. Articles like this one do the public a disservice by dissuading people and giving them one more excuse to avoid responsible and reasonable long-term care planning in advance.

By the way, it is almost never necessary to drop a LTCi policy due to a rate hike. We normally downgrade the policy instead, which lowers premiums yet conserves high LTCi policy function.

Here is a press release about this by my colleague Matt McCann.

Here are Steve Moses’s comments:

1/17/2018, “Millions Bought Insurance to Cover Retirement Health Costs. Now They Face an Awful Choice,” by Leslie Scism, Wall Street Journal

Quote: “Long-term-care insurance was supposed to help pay for nursing homes, assisted living and personal aides for tens of millions of Americans when they became unable to take care of themselves. Now, though, the industry is in financial turmoil, causing misery for many of the 7.3 million people who own a long-term-care policy, equal to about a fifth of the U.S. population at least 65 years old. Steep rate increases that many policyholders never saw coming are confronting them with an awful choice: Come up with the money to pay more—or walk away from their coverage.”

LTC Comment: Following is the letter I sent to the author of this front-page Wall Street Journal article:

Dear Ms. Scism,

There is a critical aspect of the LTC insurance issue that your otherwise fair and well-researched article missed entirely.

When LTC insurance carriers recognized their reserves were inadequate to pay future claims, they did the honorable thing. They raised premiums to ensure future claimants would receive full benefits.

Compare that with the federal government’s failure to fund Social Security and Medicare adequately, leaving those programs with upwards of $100 trillion dollars in unfunded liability. What’s more, government policy actually impaired private LTC insurance.

Beyond the reasons you cited for LTC insurance problems (actuaries’ errors regarding lapse rates and utilization, plus the Federal Reserve’s forcing interest rates to near zero, for which actuaries should not be blamed) there is another cause. Medicaid is the dominant payor of long-term care. Easy access to Medicaid for middle class and affluent people after they already needed care crowded out up to 90% of the potential market for LTC insurance, according to authors of peer-reviewed research published in the American Economic Review.

In other words, government policy impaired demand for and profitability of private long-term care insurance, while itself, leaving most aging Americans vulnerable to social insurance and public assistance programs that are hopelessly unprepared financially for the coming age wave.

It is a tragedy to blame private insurers and the dedicated people who’ve tried to make the LTC insurance product work for problems caused by poor public policy. Blame the culprits, not the victims.

For a full explanation, evidence and documentation of these facts and this analysis, please see my monograph “How to Fix Long-Term Care Financing,” published by the Foundation for Government Accountability (also the source of yesterday’s WSJ op-ed about millionaires on food stamps, a very similar problem.)

If you would like to follow up on these aspects of this complicated problem, please contact me.

Steve Moses

Stephen A. Moses, President
Center for Long-Term Care Reform
2212 Queen Anne Avenue North, #110
Seattle, WA  98109
Office: 206-283-7036
Fax: 206-283-6536
Email: smoses@centerltc.com
Web site: www.centerltc.com

Here are Claude Thau’s comments:

For the most part, Leslie Scism’s Wall Street Journal article  is accurate, however it leads readers to reach false conclusions.  From my perspective, it is clear that:

  1. Insurers are losing a lot of money on their old LTCi policies.  Although it was clear from the start that LTCi was a risky business, the “perfect storm” problems that the insurers are experiencing was unforeseeable.
  2. Both claimants and healthy policyholders cherish their policies (for good reason), hence will either stretch to pay the increased premiums or will reduce coverage to keep their policy in effect.
  3. Price increases are a big problem for people who bought LTCi policies long ago and don’t have the cash flow to pay the premium increases.
  4. People who can afford the price increases are getting a good deal, although they expected a much better deal.  I think it is appropriate that the burden of the adverse experience is being split between the insurers and the policyholders, but choosing the right balance is subjective.  I empathize with both sides, but more so with the policyholders.
  5. The industry is not meeting its potential in helping to solve the country’s LTC financing problems.  There are many reasons why the industry is not developing adequate market share.  Some people blame the industry; some people blame various levels of government.  However, human nature and other factors also contribute.
  6. Despite the problems, a good number of insurers have stayed in the market or entered the market, offering good ways that many people can insure their LTC risk.
  7. The price increases are taking a heavy toll on the industry, partly because media attention is focused on these older blocks, which causes people to be unduly wary of good opportunities to protect against LTC risk.
  8. The problems of existing policyholders, while severe, are significantly less common than Ms. Scism suggests.
  9. A key issue:  How do we encourage insurers to develop coverage for new risks, particularly distant future risks (long-term care is much more risky for insurers than annual property and casualty risks such as cyber risks).

The industry is losing money because the insurers ARE paying claims1.  Insurers sometimes erroneously fail to pay a claim, but failure to pay a claim appropriately is not necessarily bad faith.  I have generally succeeded in getting errors fixed or in explaining to the policyholder or family why the claim decision was right.  The Independent Review process, which protects against some wrongly-denied claims, is rarely used, which suggests that claims are resolved fairly.  To the degree that the July 2017 Milliman LTCi Survey was able to identify such appeals, independent reviewers supported insurers’ declines in nearly 90% of the cases2, which also suggests claims are resolved fairly.  A 2016 study3 found that 98% of LTCi claimants were satisfied with their claim payments and an earlier federally-funded study4 found large satisfaction as well.  (Footnotes are below my signature block.)

Our society spawns a significant number of fraudulent insurance claims in every line of insurance, including LTCi.  Insurers have a responsibility not to raise premiums in order to pay fraudulent claims.  Their efforts to avoid fraudulent claims can contribute to (but not fully explain) frustrating claims processes (16% of claimants do not consider the claims process to be easy.5)

Ms. Scism wrote “some policyholders complain that it [the industry] has nothing to lose by denying legitimate long-term-care claims”.  She failed to address that complaint appropriately.  One of the key risks of denying a LTCi claim is the huge risk of a (possibly class action) law suit.  In my view, insurers too often pay claims because the cost of defending a lawsuit would be expensive, even if successful.  Perhaps that contributed to a federally-funded study concluding that insurers overpaid LTCi claims by 3.4%6.

Ms. Scism’s title refers to “Millions… Face An Awful Choice” and her second paragraph starts “Now, though, the industry is in financial turmoil, causing misery for many of the 7.3 million people who own a long-term-care policy, equal to about a fifth of the U.S. population at least 65 years old.”  This sentence is inaccurate and misleading in several respects:

  1. There were 47.8 million above age 65 as of July 20157, obviously even more today.  Dividing the “7.3 million” by 47.8 million produces less than 15% (still overstated), not “about a fifth” as she wrote.
  2. She is including people below age 65 in the numerator but not in the denominator.  If she did an apples-to-apples comparison, the ratio would be significantly lower than even 15%.
  3. She is also including policyholders who no longer pay premiums (generally because they are on claim) and those who have purchased more recently-priced policies.
  4. She wrote “Credit Suisse analysts tallied more than 4,500 rate-increase requests nationwide from 2009 to early 2017 by 16 once-big sellers of long-term-care insurance. The proposed increases affected hundreds of thousands of policyholders.”  Even if all those “hundreds of thousands” are over age 65, the Credit Suisse data suggests probably less than 10% of people age 65+.  Did she make any effort to reconcile the conflict between her statements and her Credit Suisse source?

Policyholders getting huge price increases is worthy of attention and discussion, but focusing solely on the plight of policyholders who bought LTCi long ago leads readers to infer that LTCi is not a good alternative for them today.  The past problems have caused today’s products to be much more stably priced.  Furthermore, Ms. Scism dismisses the popular combo products (“But such products are often costlier”), without mentioning that many of those combo products are entirely guaranteed, which protects against the “misery” she cites.  By the way, of course it costs more if you add a potential death benefit to LTCi coverage.  I believe articles about price increases on old policies should make strong efforts to explain that the situation is tremendously better today.

Best wishes,

Claude Thau
Director of Long Term Care Insurance Funding Solutions, Target Insurance Services

Phone direct: 913-403-5824; WATS line: 800-999-3026, x2241
claudet@targetins.com

Click here to connect with Claude on LinkedIn

Claude’s Footnotes:

1  NAIC Experience Exhibit Reports through 2014 show LTCi claims compounded 12% per annum from 2001-2014.  The author did not seek more recent information; growth clearly has continued albeit at a rate that the author can’t quote. See also the subsequent proof that claimants are satisfied, etc..

2  Thau, Claude; Schmitz, Allan; and Giese, Christopher, Milliman LTCi Survey, Broker World Magazine, July 2017, p. 3 of the reprint.

3  LifePlans, “Experience and Satisfaction Levels of Long-Term Care Insurance Customers: A Study of Long-Term Care Insurance Claimants”, September 2016, p. 14.  “…only six percent of claimants had a disagreement with their insurance company about policy coverage, and the majority of these disagreements (65 percent) were resolved to the satisfaction of the claimant. Put another way, for every 100 people making claims under their insurance policy, only two are likely to have had a disagreement about coverage that was not solved to their satisfaction.”  A table on page 22 shows that 70% of claimants were “very satisfied” with their policy, 27% were somewhat satisfied, 2% were somewhat dissatisfied and 1% were very dissatisfied.  The lower satisfaction rate in this table appears to reflect the claims process as well as the amount paid, whereas the 98% statistic is related solely to the amount paid.

4  U.S. Department of Health and Human Services, Office of Disability, Aging, and Long-Term Care Policy (2006 and 2008). “Service Use and Transitions: Decisions, Choices, and Care Management Among an Admissions Cohort of Privately Insured Disabled Elders” (2006); “Following an Admission Cohort over 28 Months to Track Claim Experience, Service Use, and Transitions” (2008); “Care Management, Claim Experience, and Transitions Among an Admissions Cohort of Privately Insured Disabled Elders over a 28-Month Period” (2008).  This study found that 14% of home care claimants, 5% of assisted living facility (ALF) claimants and 11% of nursing home claimants were dissatisfied.  It differed from the 2016 study in that this older study dealt with people earlier in the claims process.  Satisfaction apparently increases with time on claim, perhaps because the paperwork hassle is concentrated at claim initiation and because the monthly payment tends to increase and cumulative payments definitely increase.

5  LifePlans, “Experience and Satisfaction Levels of Long-Term Care Insurance Customers: A Study of Long-Term Care Insurance Claimants”, September 2016, chart p. 15 shows that 78% said it was easy; 15% said it was difficult and 7% did not know.  Of those who expressed an opinion, 15/93=16.2% thought it was difficult)

6  National Long-Term Care Insurance Claims Decision Study: An Empirical Analysis of the Appropriateness of Claims Adjudication Decisions and Payments, April 2010; Figure 5; p. 11 Total Paid/Total that should have been paid = Total Paid/((Total paid – (Amount that auditors would have denied – amount that auditors would have approved)) = $155,925,300/(155,925,300 – ($5,905,708 -$719,999)) = 3.4%

7  See https://www.census.gov/newsroom/facts-for-features/2017/cb17-ff08.html

Filed Under: Correcting Ignorant Public Figures, Helpful Information About LTC, Information About LTC Tagged With: Long Term Care insurance, LTCi, LTCi rate hikes, rate hikes

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Phone: 713-988-4671
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