We are pleased to welcome the newest member of our GoldenCare team! Morgan brings her bubbly personality, great sense of humor and excellent customer service skills to our GoldenCare Team. We are thrilled to have her on our team and know you will enjoy your interactions with her! Welcome to the team, Morgan! If you have questions or need additional information, please call us at 1-800-842-7799. Don’t forget to subscribe to our News Digest for all the latest announcements from the Top Carriers! Check out GoldenCare News #goldencare #goldencareagent
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Special Announcement! | $200 1st App CASH BONUS
ManhattanLife’s new STCi product, OmniFlex™ is now available in 32 states and stirring up excitement among agents! We are pleased to announce a special 1st App incentive! Now earn a $200 CASH BONUS for OmniFlex™ business written within 30 days of completing your appointment!* QUESTIONS? Call our Marketing Team at 800.842.7799 or email marketing@goldencareusa.com. All business for this promotion must be written & issued between 08/15/2023 — 12/31/2023. *To qualify, coverage must ultimately be issued & accepted, with the application sign date occuring within 30 days of your ManhattanLife OmniFlex appointment being finalized. Annualized Premium per Applicant must be no less than $800.
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Good News: 2023 Update: LTC CEO Complete Sales Toolkit v13.0 Now Available
New And Updated Content Inside Our LTC CEO Toolkit! It’s FINALLY HERE! The latest version of our LTC CEO Office, Home and Internet Selling Tools software is now available! With the immense shift seen in the extended care market over the past year – there was a lot to update! Version 13.0 includes the very latest 2023 resources, updated calculators, sales tools and more. Plus, the tool has received a bit of a facelift too! Existing Users: Double click the “Check for Updates” button in the LTC-CEO Utilities folder on your desktop and the update will automatically launch. What is
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“Long-term-care planning using trusts”
“Long-term-care planning using trusts,” by Dave Strausfeld, Journal of Accountancy Policy Suggestions “Some clients who want to plan for the use of Medicaid for long-term care may benefit from creating an irrevocable trust, according to Elizabeth Forspan, Esq., who gave a highly rated presentation at the AICPA & CIMA ENGAGE 2023 conference titled ‘Paying for Long Term Care: Using Trusts for Planning Around Shortfalls in LTC Resources.’ The basic idea behind such planning is this: If clients transfer assets to an irrevocable trust at least five years (in most states) before applying for Medicaid for long-term care, the Medicaid
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“California is leading the way in Medicaid abuse”
“California is leading the way in Medicaid abuse,” by Jon Coupal, The Orange County Register Policy Suggestions “In approving California’s request to permanently dissolve asset verification for Medi-Cal, CMS is setting a dangerous precedent for the rest of the nation. The situation demands scrutiny and a transparent debate. Rather than allowing this policy shift to unfold in the shadows, a public debate should be robust and inclusive. This is a decision that affects not only those in need of healthcare assistance but also every taxpayer who bears the financial burden of such expansion, including future generations.” LTC Comment,
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“Feds Rein In Use Of Predictive Software That Limits Care For Medicare Advantage Patients”
“Feds Rein In Use Of Predictive Software That Limits Care For Medicare Advantage Patients,” KFF Health News Policy Suggestions “The federal government will try to even the playing field next year, when the CMS begins restricting how Medicare Advantage plans use predictive technology tools to make some coverage decisions. About half the people eligible for full Medicare benefits are enrolled in the private plans, attracted by their lower costs and enhanced benefits, and a host of nonmedical extras like transportation. Insurers receive a monthly payment from the federal government for each enrollee, regardless of how much care they need. HHS
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“Does Putting Your Home in a Trust Protect It From Medicaid?”
“Does Putting Your Home in a Trust Protect It From Medicaid?,” by Patrick Villanova, Yahoo!Finance “Today, Paragon is releasing an important new report, Long-Term Care: The Solution, authored by Stephen Moses. … Policy Suggestions “An individual can protect their assets from Medicaid, including their home, by placing them into a trust. Essentially, the assets become owned by the trust and not by the individual. This mechanism can decrease the individual’s asset count for Medicaid eligibility, presenting a way to potentially conserve wealth and secure necessary medical care. However, like all decisions, this presents benefits and potential risks. Involving a financial advisor in navigating these complexities
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“Release of ‘Long-Term Care: The Solution”
“Release of ‘Long-Term Care: The Solution,’” by Brian Blase, Paragon Health Institute “Today, Paragon is releasing an important new report, Long-Term Care: The Solution, authored by Stephen Moses. … Policy Suggestions Medicaid LTC should be restored as a safety net for indigent elderly people. Lawmakers should eliminate the ability to access publicly funded LTC while preserving wealth. This paper details seven options to empower younger and middle-age Americans to meet a new, publicized individual LTC planning responsibility. This would unleash wealth currently unused for LTC that remains locked in home equity, individual retirement accounts, life insurance, and estates and reorient the LTC
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“AHCA CEO: Nursing Home Policy Nightmare Just Starting, Business Nightmare Persists — But Clinical Nightmare Over”
“AHCA CEO: Nursing Home Policy Nightmare Just Starting, Business Nightmare Persists — But Clinical Nightmare Over,” by Tim Mullaney, Skilled Nursing News “The ‘clinical nightmare’ created by Covid-19 has come to an end, but the ‘business nightmare’ related to the pandemic is ongoing, and the ‘policy nightmare’ has only just begun. That’s according to Mark Parkinson, CEO and president of the American Health Care Association/National Center for Assisted Living (AHCA/NCAL), the largest nursing home provider association in the United States. ‘What’s keeping me up right now is the policy nightmare,’ Parkinson said Monday at the AHCA/NCAL Annual Convention and Expo,
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“Shortcomings of the ACA Exchanges: Far Less Enrollment at a Much Higher Cost”
“Shortcomings of the ACA Exchanges: Far Less Enrollment at a Much Higher Cost,” by Brian Blase, Paragon Health Institute “Please join us October 5th from 2:00-3:00pm for a quick virtual briefing on a recent report from the Paragon Health Institute, titled The Shortcomings of the ACA Exchanges: Far Less Enrollment at a Much Higher Cost. This study was authored by two health actuaries, Daniel Cruz and Greg Fann, and analyzed the efficiency of the Affordable Care Act’s individual market changes as well as the efficiency of premium subsidy expansions that occurred during both the Trump and Biden administrations. Paragon’s Brian Blase and Theo
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