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Report on an Exciting Joint Pilot Program Launched in Texas

August 6, 2012 by Honey Leave a Comment

On July 20th and 21st I had the chance to participate in a very exciting pilot program supported by the 3in4 Association, the Texas Long-Term Care Partnership and the Texas Department of Health and Human Services.

I was one of ten Texas based LTCi specialists carefully vetted and trained to participate in this program by the 3in4 Association. Our mission was to educate Texans on the how and why of responsible long-term care planning. The seminars took place in Austin, San Antonio, Houston, and Dallas/Fort Worth. Our training involved not only learning how to teach the seminar, but also all aspects of our conduct.

The outreach consisted of 50,000 direct mail pieces to surrounding zip codes.  The invitations were great looking. Recipients could register for a seminar by simply scanning a QR code or going to a special site, http://www.3in4needmore.com/texas-ltc-seminars, to register.

Our team was ready and prepared to do what we excel at, which is teaching the public about the risks of needing long-term care, and how to prepare responsibly for such an event.

The goals of the 3in4 Association and the Texas LTC Partnership coincide. Both organizations seek to increase awareness about the need to plan for long-term care. The 3in4 Association has “feet on the ground” to carry this mission to the public, through education. The Texas LTC Partnership does not, yet they share our strong conviction about the need to convey this information to the public. The groups are perfect partners.

The first seminars took place in Austin, on July 18 and 19th. Although I only attended the Houston seminars, I am told that the Austin seminars were well attended, especially the kickoff seminar, given by Dr. Marion, the 3in4 Association’s spokesperson. Many of the senior staff of HHS attended and were able to see how organized, professional and effective we were.

The seminars were arranged to coincide with Dr. Marion’s 12 week, cross-country bus tour. While she was in Houston, Dr. Marion’s bus pulled up to the Oak Branch Public Library, the location for Houston’s seminars. It was very exciting for me to finally see the bus in person.

The bus was built in 1967 by Greyhound and is very large and impressive, a sight that you can’t miss. I’m told it averages 5-6 mpg, weighs 25,000 pounds and is converted inside to support the film crew and their editing needs. The bus serves as home base for Dr. Marion and her crew during their 12 week cross-country tour to promote the in4 Need More campaign, the public service message of the 3in4 Association.

I had time to visit with Dr. Marion while she was in Texas and I am convinced the 3in4 Association could never find a better spokesperson. She is warm, engaging, eloquent, and a true believer in our cause.

Here’s an example of some of the great press coverage Dr. Marion and the tour received while inTexas: http://www.youtube.com/watch?v=QJOrlSVxm5M&feature=plcp

We are not quite sure why we had paltry attendance at theHoustonpresentations. We have many theories. The location was convenient. The seminar itself is about 20 minutes long, with plenty of time afterwards for Q & A. It’s a fun seminar. The slides are concise; offer good content, and even contain humor.

Speaking on behalf of myself and my Houston teammates on this project, Grace Harrington, Mary Dillon, and Kevin Cain, we feel this project was a success, despite lackluster seminar attendance. Perhaps this is because we feel deep conviction about the need for reaching out to the public with this very important information.

Here are some comments from Jonas Roeser, President and Founder of the 3in4 Association, “None of the success we have had thus far would have happened without your support. The hard part is over! As a group we have earned the trust of Health and Human Services of Texas (HHST) through transparency and selfless acts.  We have built a unique program, marketed the program to the public and received national coverage for the effort.  The only thing that seems to be missing is the willingness for large numbers of the public to step inside for our education process. I have been informed by a number of you that daytime seminars are a bad idea, night is better.  Summer is tough compared to fall, do it when children are back in school, etc. Thank you for the feedback and for your willingness to continue to serve.

“Build it and They Will Come,” is a famous quote from the “Field of Dreams” movie.  In time, this program will scale and be worth the time of LTC specialists who support them and the consumers who attended them.”

I am hoping that this collaboration will be replicated over and over, not only in Texas, but in other states.

 

Filed Under: 3 in 4 Need More, Helpful Information About LTC, Information About LTC Tagged With: 3in4 Association, Honey Leveen, TX Department of Health and Human Services, TX Long-Term Care Partnership, www.3in4needmore.com, www.honeyleveen.com

Dr. Marion and www.3in4needmore.com are in Houston!

July 21, 2012 by Honey Leave a Comment

The www.3in4needmore.com bus with Dr. Marion and her crew pulled up in front of the Oak Branch Public Library this afternoon. The vehicle, a very large and impressive sight that you can’t miss, averages 5-6 mpg, weighs 25,000 pounds, and is a converted 1967 Greyhound bus. It is decorated with sponsor logos all over.

The bus is home base for Dr. Marion and her crew. They are on a 12 week, cross-country trip to promote the www.3in4needmore.com campaign. They stop, meet the public, and do press interviews to inform the public about the need for responsible long-term care planning all along their journey.

One reason for the bus’s visit to Houston was to kick off a very exciting pilot program between  www.3in4needmore.com,  the TX Long-Term Care Partnership (TX LTCP), and the TX Department of Health and Human Services (TX HHS).

The www.3in4needmore.com campaign mission is to educate the public about the need for responsible long-term care planning. These goals are shared by the TX LTCP Partnership and TX HHS. What a great partnership!

Four special pilot seminars have been scheduled for July 20-21, 2012, in Houston. Similar seminars have been planned in other major TX cities.  www.3in4needmore.com members like myself, who have been carefully vetted and trained, will teach the seminars on behalf of the TX LTCP and TX HHS.

Long-term care insurance specialists like myself are qualified, available, and highly capable of teaching why responsible long-term care planning is urgently and vitally important. No selling, pressure or bias takes place during these educational seminars.

I am (obviously) very honored and proud to have been chosen to participate in this important project.

We are hoping this special www.3in4needmore.com, TX LTCP, TX HHS collaboration will go so well that it will be replicated over and over, not only in Texas, but in other states.

Dr. Marion taught today’s seminar. Three seminars will take place tomorrow. I will teach two of them, and my colleague, Kevin Cain, will teach the third. All seminars will take place at the Oak Branch Public Library, 1439 West 43rd Street, Houston, TX 77018. You may register to attend at http://www.3in4needmore.com/texas-ltc-seminars/

Click here to see a brief video of me and Dr. Marion.

Click here to see a story describing this exciting, collaborative pilot program between www.3in4needmore.com, TX LTCP and TX HHS.

Filed Under: 3 in 4 Need More, Helpful Information About LTC, Information About LTC Tagged With: Dr. Marion, Honey Leveen, LifeHealthpro.com, Marion Somers, ownyourownfuturetexas.org, TX Department of Health and Human Services, TX Long-Term Care Partnership, www.3in4needmore.com, www.honeyleveen.com

Another avoidable, tragic situation caused by failure to plan for LTC

July 9, 2012 by Honey Leave a Comment

Today’s Dear Abby column again advises about grief caused by failure to plan for long-term care. I have pasted it beneath my blog.

The son states he built a new house to accommodate his mother. When his mother became fearful of his wife, she was moved to an assisted living facility. I have two thoughts about this: how traumatic it must have been for the mother to move at that point, and what a saint the wife is for attempting to be the mother’s primary caregiver!

We can only guess how long the son and his wife provided in-home care for his mother there before placing her in assisted living, where she remained for 10 years. The son states his mothers 10+ years of long-term care need left him financially, as well as emotionally drained, so we have evidence the mother had little income and wealth and that her son and daughter-in-law subsidized the cost of her assisted living.

The son states his mother died in 2007 and five years later he  is still guilt-ridden because he had to place her in an assisted living facility.

If this family had addressed responsible long-term care planning while the mother was healthy, perhaps the mother would have purchased  reasonably priced long-term care insurance (LTCi). Her LTCi would have paid for appropriately trained home health care providers the mother would not be scared of. Mother probably could have remained at home in these circumstances. This probably would have averted the family discord described, plus much of the son’s guilt-ridden grief. It also would have averted the financial drain described.

Why people don’t want to have a conversation about responsible long-term care planning while they are healthy and premiums are reasonable is beyond me.

From Dear Abby’s July 9, 2012 column:

DEAR ABBY: My mother’s Alzheimer’s became apparent after she was in a car accident. I should have noticed the signs earlier, but I didn’t. Her body recovered, her mind did not.

I built a new house with a separate suite for her. My wife and I tried to care for her for a year, but I’m disabled and Mom was afraid of my wife. There was never a moment’s peace. Fearing for our collective health, I finally placed Mom into an assisted living facility. It was one of the hardest decisions of my life.

My children criticized me but offered no alternatives. I visited her as often as possible. Because I could no longer drive, I sent someone with gifts and treats for her. Mom died in 2007 after 10 years in the facility. The last few years she didn’t know me from a doorknob. Her disease left my wife and me drained emotionally and financially. I still feel guilty for not doing more. The look of fear on her face haunts me still. Is this normal for someone in my circumstances? — ONLY CHILD IN FLORIDA

Filed Under: Denial, Helpful Information About LTC, Information About LTC Tagged With: assisted living, Dear Abby, Honey Leveen, LTC Insurance, the American Association for Long-Term Care Insurance, www.honeyleveen.com

Personal stories about long-term care

July 8, 2012 by Honey Leave a Comment

I enjoyed my good friend and colleague Margie Barrie’s column in June’s Senior Market Advisor Magazine.

Long-term care insurance allows you to have choices, access and options not just now, while you are independent, but through the final days of your life.

The following actual testimonials are from Margie’s column. They are written by LTCi claimants and families. Thanks to colleagues Mark Goldberg and Matt McCann for sharing these.

Written by a claimant’s husband:

“We bought our policy when we were 60. My wife had a stroke when she was 64. The stroke left her partially paralyzed, and we were devastated. She required care to just cope with the stuff you have to do every day to live. If it wasn’t for this insurance, she would have gone into a nursing home permanently. But because she had this protection, we could bring help into the house. We didn’t have to change the way we lived. Without the policy, I would have been the one who provided the care and my daughter would have had to quit her job to help me.

“Because we had this policy, it prevented us from having to change our life, and that made all the difference in the world. As far as I am concerned the value of having the policy is priceless. It’s probably the best investment we have ever made.”

Written by claimant’s daughter and son:

“We didn’t even know that mom and dad had long-term care insurance until they both got sick. This policy made helping them find the best care for their circumstances so much easier.

“We had no idea how flexible their policies were. The fact they had the choice of going into an assisted-living facility instead of a nursing home has given us both great relief. We might not have that option if we didn’t know we would have the dollars the policy provides them for the care.

“My brother and I have both applied for coverage for ourselves as we have experienced firsthand what the impact of having these policies can have. My parents never wanted to be a burden, and I don’t want to be a burden to my kids.

“I am a mother of two teenage  children and if I had to be the one who had to coordinate and provide my parents’ care, it would make my life impossible. My brother is in a similar situation.”

Filed Under: Helpful Information About LTC, I'll Just Self-Insure, Information About LTC Tagged With: Honey Leveen, Margie Barrie, Mark Goldberg, Matt McCann, Senior Market Advisor, www.honeyleveen.com

Forbes article almost (but not quite) gets it right

June 29, 2012 by Honey Leave a Comment

See my response below to an article by Howard Gleckman on Forbes online, June 28, 2012. The article is titled, “10 Questions to Ask Before Buying LTC Insurance.

Thanks for decent article on long-term care insurance (LTCi), Mr. Gleckman, but one part of your advice makes no sense to me. Why do you always recommend that people with net worth of under $200K do not need to worry about purchasing LTCi? 1) Many of these people have ample income to afford LTCi and 2)you readily admit that Medicaid-paid LTC leaves a lot to be desired as far as choice and quality goes. You admit that Medicaid’s future funding is uncertain. Why wouldn’t people with less net worth want the dignity, options and choices LTCi ownership provides?

Why do you advise that people with net worths of more than $2 million can self-insure? $2 million is not that much money and doesn’t throw off that much income. Even for people with many millions, they already designate their income to support their normal lifestyle. A sudden “hickey” of thousands upon thousands of $$ needed for LTC really cramps their lifestyle and can possibly threaten the welfare of the healthy spouse if equity is eroded paying for LTCi. Also, in these situations there is more money to bicker over and familiy members often quarrel over the quality and quantity of LTC their loved one needs. These type of fights may be largely avoided with LTCi ownership.

I sell lots and lots of LTC insurance to people with net worths under $200K and over $2 million. You do the public a dis-service with this advice.

Filed Under: Correcting Ignorant Public Figures, Helpful Information About LTC, I'll Just Self-Insure, Information About LTC Tagged With: Forbes Magazine, Honey Leveen, Howard Gleckman, LTC Insurance, Medicaid, www.honeyleveen.com

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

Email: honey@honeyleveen.com

Email: honey@honeyleveen.com

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