![\"Denise](\"https:\/\/www.send2press.com\/wire\/images\/13-0313-denise-gott_72dpi.jpg\")
“We’re delighted to make this information available free to organizations and individuals throughout America,” says Denise Gott, LTCFP’s National Sales Manager.<\/p>\nKIRKLAND, Wash., July 24, 2013 (SEND2PRESS NEWSWIRE) — Today the publication of a comprehensive, updated guidebook makes clear that long-term care (LTC) planning has moved well beyond traditional insurance, Medicaid, and nursing-home care. The newly revised guide, “3in4 Need More: Long Term Care Planning TODAY,” succinctly describes more than half a dozen government or private financial options. It also details care options ranging from at-home care to assisted living in plush senior residences. The 36-page publication is offered free by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with the 3in4 Association, the publishers. <\/p>\n
There are new sections offering an overview of –
* Critical illness insurance,
* Reverse mortgages,
* Combination products such as life insurance policies with LTC riders, and
* Veterans Administration (VA) benefits.<\/p>\n
Together with 12 other sections, the updated guide covers all the basics of planning for care when people can no longer do such things as walk, eat, or bathe unaided. <\/p>\n
Should one hire a home-care aide or move to some kind of facility? What’s the best option if you’re rich, poor, or in between? The new edition helps answer such questions and more.<\/p>\n
“We’re delighted to make this information available free to organizations and individuals throughout America,” says Denise Gott, LTCFP’s National Sales Manager.<\/p>\n
“We think it can help individuals make a happier transition to a new way of life. And we think it can help companies maintain productivity by educating their employees, so they won’t have to worry about a loved one’s care needs instead of focusing on work.”<\/p>\n
Based on the premise that “3in4 Need More” than healthcare insurance, the guide helps the reader —<\/strong> Copies of the guide may be requested from the following specialists:<\/strong><\/p>\n CA: Phyllis Solgere — 909-627-5587 CT: Larry Golfin — 860-677-4075 FL: George Braddock — 305-378-8091 GA: Belen Hickman — 404-245-2444 ID: Linda Hicks — 208-331-2803<\/p>\n IL: Robin Frank — 773-774-2600<\/p>\n IN: Kirk Bennett — 260-969-1310<\/p>\n MI: Tom Varner — 810-796-2405<\/p>\n MN: Jennifer Ragborg — 952-898-2750<\/p>\n MO: Wendy Rinehart — 816-886-2358 NE: Larry Heinert — 402-339-8643 NJ: Michael B. FitzPatrick — 862-242-8787 NY: Steve Brefere — 914-234-7767 OH: Thomas Hodges — 513-519-6010 OK: Samuel Walker — 405-816-0868<\/p>\n OR: Diane Steeves — 503-297-7677<\/p>\n PA: Kevin Bressler — 610-783-6970 SC: Madeline Wade — 317-259-4113<\/p>\n TN: Mark Wardell — 901-337-4146<\/p>\n TX: Bill Holland — 817-283-7221 VA: Linda Sotirion — 757-646-6820 VT: Tod Warner — 802-985-4930<\/p>\n WA: Christine Khemis — 888-582-5364 WI: Lynette Schiefer — 920-434-4559.<\/p>\n About LTC Financial Partners:<\/strong> *(PHOTO 72dpi: https:\/\/www.send2press.com\/wire\/images\/13-0724-ltc-essentials_72dpi.jpg<\/a> )
* Understand the odds of needing care and the risks of not having a long-term care plan,
* Do the research necessary for developing a plan,
* Decide on the best primary way to pay for care (self-insuring, Medicaid\/Medicare, long-term care insurance),
* Work with a specialist (when LTC insurance is appropriate) to select the best carrier and design the best policy,
* Consider other means of addressing care costs, ranging from annuities earmarked for care to conversion of life insurance policies into long-term care benefits,
* Decide between a wide variety of senior care & living options.<\/p>\n
CA: Laura Weber — 714-674-0190
CA: Sarah Fisher — 510-230-4301
CA: Jim Valentine — 408-792-0540
CA: Petra Petry — 949-351-0347
CA: Art Neibrief — 707-974-8282<\/p>\n
CT: Steve Foss — 860-539-0674
CT: Leonard Wik — 860-432-1870<\/p>\n
FL: Janet Washburn — 239-404-7590<\/p>\n
GA: Amy Pollock — 404-237-1189<\/p>\n
MO: Keith Eisberg — 573-303-3007<\/p>\n
NE: Larry Neuwirth — 308-635-2023<\/p>\n
NJ: Richard Landau — 201-476-0880
NJ: James Cundari — 973-450-1074<\/p>\n
NY: Virginia Lee Kintz — 866-582-6074
NY: Sheila White — 631-893-4040
NY: Jennifer Lenihan — 631-262-7167
NY: Susan Lenihan — 631-262-7167
NY: Jay Charno — 516-935-4029
NY: Gene Cutler — 516-869-6767
NY: Michael Robinson — 516-612-4936
NY: Ronald Brie — 212-799-3900
NY: Dana Dee — 716-983-1316
NY: Ray Donnelly — 516-747-1809
NY: Peter Molnar — 800-588-9406<\/p>\n
OH: John Cullen — 419-797-9210
OH: Pattianne Baran — 216-409-0859
OH: Brenda Gray — 513-541-3968<\/p>\n
PA: Anthony Camill — 412-445-6171
PA: Cathy Allen — 610-588-0852<\/p>\n
TX: Kay Nettles — 713-466-4614
TX: Kat Roebuck — 281-431-4033
TX: Kim Beckham — 361-579-9663<\/p>\n
VA: George Polizos — 757-291-8505
VA: Patricia O’Neill — 703-534-3255
VA: Penny Gilbert — 703-281-0914
VA: Michael Zuchowski — 757-467-1354<\/p>\n
WA: Lucille Smith — 206-877-3456<\/p>\n
LTCFP – http:\/\/www.ltcfp.com\/<\/a> – is one of America’s largest and most experienced long-term care insurance agencies. The company is a co-founder and sponsor of the “3 in 4 Need More” campaign, which seeks to alert Americans to the long-term healthcare crisis, and to multiply the number protected by long-term care planning.<\/p>\n
*(Photo Caption: Book cover, “3in4 Need More: Long Term Care Planning TODAY”)<\/p>\n
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