Good News | December Sales Tips To Keep Those LTCi Conversations Going

Now Is The Time To Continue Those LTCi Conversations November has come to an end, but Long-Term Care is a year-round concern for your clients. November is a great month to emphasize the topic, but the holidays are a perfect time to have the LTC conversation, especially as clients are meeting with their families and Tax Time approaches! Jeff Clark is here with a couple sales tips for December: Watch the short Sales Tips video now → If you’re already appointed through GoldenCare, but are not yet taking advantage of all we have to offer, call your Regional Director at
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Categories: GoldenCare News, Industry News, and Long-Term Care.

You’re Invited! | Tom Randall’s Pivot Presentation Special

Special 2-Part Sales Strategy Training Pivot Presentation We believe the senior insurance industry needs to embrace an overall paradigm shift in how we present to consumers. After all, purchasing senior insurance has less to do with a person’s checkbook and more to do with their health.   Part 1: Introduction to the Pivot Concept Let Tom Randall show you why it is not enough to simply ‘set the table’ for a potential decline anymore. Today, the wisest agents are taking full advantage of GoldenCare’s Perfect Portfolio of products and going into each presentation prepared to ‘serve, protect & feed nearly
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Categories: GoldenCare News and Industry News.

“Growing Older with Enthusiasm”

“Growing Older with Enthusiasm,” by Neil Haley, NeilHaley.com Quote: “In this episode, Dr. Ron Kaiser interviews Steve Moses .He is president of the Center for Long-Term Care Reform.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: This may be confusing at first. It is an episode of Neil Haley’s podcast in which Dr. Ron Kaiser of “Growing Older With Enthusiasm” interviews me. It’s 27 minutes of LTC policy and planning talk. If it starts in the middle, just click where it begins. Enjoy.       Subscribe to GoldenCare News  
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Categories: Clippings and Industry News.

“Am I Allowed to Have Two Cheap Cars With Medicaid?”

“Am I Allowed to Have Two Cheap Cars With Medicaid?,” ElderLawAnswers Quote: “Q: Am I allowed to have two cheap cars with Medicaid? A: No. Just one car is noncountable. However, if one of them is really cheap, maybe it will fall within the countable asset limit.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: This query and response remind me of the “Two Mercedes rule.” You can have one car of any value and qualify for Medicaid. Because it’s exempt it does not trigger a transfer of assets penalty if you give it away. So
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Categories: Clippings and Industry News.

“Life plan community outlook ‘deteriorating’ in 2023: Fitch Ratings”

“Life plan community outlook ‘deteriorating’ in 2023: Fitch Ratings,” by Kathleen Steele Galvin, McKnight’s Senior Living Quote: “The outlook for continuing care retirement / life plan communities is ‘deteriorating’ due to continued labor challenges and a ‘softening broader economy.’ That’s according to a new Fitch Ratings 2023 outlook report. The good news is that life plan communities’ occupancy is expected to stabilize and perhaps even improve next year, according to the firm.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: CCRCs face mounting financial headwinds.       Subscribe to GoldenCare News  
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Categories: Clippings and Industry News.

“How Medicaid mission creep undermines real health care”

“How Medicaid mission creep undermines real health care,” by Anthony Digiorgio, The Hill Quote: “The federal government wants Medicaid to ameliorate ‘social determinants of health’ (SDOH). Unfortunately, using an agency designed to finance medical care for the poor to instead address a broad range of complex social problems has led to ‘mission creep.’ It’s simply not feasible.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: Excellent column on the dangers inherent in new and rising government health care regulation trends, such as using Medicaid to address social determinants of health and value-based payment.      
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Categories: Clippings and Industry News.

“COVID mortality trending older, with 9 in 10 deaths in adults aged 65 and older”

“COVID mortality trending older, with 9 in 10 deaths in adults aged 65 and older,” by Alicia Lasek, McKnight’s LTC News Quote: “COVID is taking a much lower toll in the United States than it did during the 2021 delta wave, at 300 deaths per day now versus 2,000 then, but the majority of the deaths are skewing older, according to a new report based on federal data. …The proportion of deaths among older adults has varied during the course of the pandemic, they reported. In the first few months, those aged 65 or older accounted for eight in 10
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Categories: Clippings and Industry News.

“Study: 70% Want To Age At Home, But Only 10% Have Long-Term Insurance”

“Study: 70% Want To Age At Home, But Only 10% Have Long-Term Insurance,” Kaiser Health News Quote: “A study from HCG Secure/Arctos Foundation shows a disconnect between people’s plans for funding ‘aging in place’ and the mechanisms to ensure care.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: That’s not exactly surprise news. What’s needed is an explanation of why that condition persists in the richest country in the world. If you want the answer, read Long-Term Care: The Problem. For the solution, watch for Long-Term Care: The Solution, forthcoming from the Paragon Health Institute.  
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Categories: Clippings and Industry News.

Attention All Mississippi Agents | Important Notice

MEMORANDUM To: From: Date: Subject: ALL MISSISSIPPI AGENTS Guarantee Trust Life Insurance Company (GTL) 11/28/2022 2023 MEDICARE SUPPLEMENT RATES At GTL, we appreciate the Medicare Supplement business that you have placed with us. In our effort to always keep you well-informed, the Department of Insurance in your state has approved a rate increase for the Medicare Supplement policies: MS — Plans A, F, G & N:  15% Any new business received at GTL that has an application date of February 1, 2023 or later must reflect the new rates. Applications dated January 31, 2023 and prior must be received at
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Categories: Guarantee Trust Life, Industry News, and Medicare Supp./Adv..

GoldenCare Newsletter | December 5, 2022

Read Full GoldenCare Newsletter, December 5, 2022 Edition In this GoldenCare Newsletter Edition From GoldenCare: SPECIAL: “Missing Link” Consumer Presentation Pro Tips Thurs, Dec 8, 2022 11:00 AM  to  11:45 AM CST Diversify your portfolio for greater sales success! Join us for product and sales live and prerecorded training.  Stay up-to-date on the latest products and sales strategies. We’re making it easier than ever to get a hold of us and have your favorite tools available at your fingertips! Click here to DOWNLOAD our electronic business card, and enter to win a $100 Amazon.com Gift Card!   PROMO TIME! ★
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Categories: GoldenCare News, Industry News, Long-Term Care, Medicare Supp./Adv., Mutual of Omaha (& Affiliates), OneAmerica, and Thrivent.