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The Center for Long-Term Care Reform's

LTC Graduate Seminar Online Version
(Go to Attendee Services)


The Center for Long-Term Care Reform offers a graduate-level long-term care education program called the LTC Graduate Seminar.   Delivered face-to-face in full-day sessions in the past, we are now offering the program in an eight-week, hour per session online version by Webinar. The cost per enrollee is $225, which includes a one-year membership (or extension) in the Center for Long-Term Care Reform. Details on the program, including a course description, syllabus, curriculum vitae for the seminar leader (Stephen Moses), and testimonials follow. For questions or to secure a reservation and arrange payment, email info@centerltc.com or call 206-283-7036.

SCHEDULE: The Center will offer the LTC Graduate Seminar online by Webinar periodically. Precise dates and times will be announced in LTC Bullets and LTC E-Alerts as we determine them. If you would like to attend or sponsor a program, please contact us at 206-283-7036 or info@centerltc.com.  

CURRENT PROGRAM:  We will next offer the LTC Graduate Seminar online by Webinar beginning in early October.  For details, tune into the invitational Webinar on August 29, 2007 or contact us at  206-283-7036 or info@centerltc.com.  The invitational Webinar will be archived and available online at http://www.centerltc.com/WebinarAnnouncingLTCGradSem.wmv

WHY HAVE AN LTC GRADUATE SEMINAR?: Center president and seminar leader Stephen Moses explained:  "Long-term care beginners have many excellent education and certification programs to choose from. But where do you go once you've learned the basics and achieved some success? How do you go to the next level? The Center for Long-Term Care Reform's 'graduate seminar' is for experienced professionals in all aspects of long-term care."

COURSE DESCRIPTION: Long-Term Care Intensive for Senior Advisers

This course tackles critical questions that anyone who serves or advises seniors should understand in depth. For example:

* How did America's LTC service delivery and financing system come to be so dysfunctional, e.g. nursing home and home-health bankruptcies, unprofitable assisted living facilities, collapsed LTC stocks, institutional bias, quality problems, staff shortages, low government reimbursements, skyrocketing liability insurance premiums, slow LTC insurance sales, etc.?

* Can the current non-system survive and how will it change?

* Will services be available when seniors need them in the future?

* Who will pay?

* What will happen to the government's LTC financing programs?

* What is the real reason so few people save, invest and insure for LTC expenses?

* What are the prospects for "above-the-line tax deductibility" for LTC insurance premiums in the coming year?

* How can advisers help more seniors protect themselves from the LTC risk?

* How can we build a "phalanx of professionals" around seniors to help them protect themselves from the legal and financial risks of aging?

* What changes in public policy (state and federal) would have to be made to move LTC in America from a wobbly welfare base to a solid foundation in private insurance?

* How has the Deficit Reduction Act of 2005 created a "brave new world of long-term care"?

TARGET AUDIENCE: financial planners or consultants, attorneys, accountants and CPAs, long-term care insurance agents, geriatric care managers, long-term care providers (home care, assisted living or nursing home care), social workers, medical professionals and home equity conversion specialists.

STYLE OF INSTRUCTION: This course will be conducted as illustrated lecture. Every attendee will have ample opportunity to ask questions and share ideas. Participants are urged to challenge the instructor and each other with questions and comments.

TEXTBOOKS: Textbooks for The LTC Graduate Seminar are the Center's major reports including "LTC Choice: A Simple, Cost-Free Solution to the Long-Term Care Financing Puzzle," "The Myth of Unaffordability: How Most Americans Should, Could and Would Buy Long-Term Care Insurance," "The LTC Triathlon: Long-Term Care's Race for Survival," and "The Realist's Guide to Medicaid and Long-Term Care." All four reports are available free of charge in .pdf format at www.centerltc.com. Printed and bound copies of the texts are available for $150. We will provide additional handouts of current interest at the time of the seminar.  Enrollees will also receive a full year subscription (or extension) to the Center's popular members-only website zone (a $150.00 value), including daily LTC E-Alerts and archived LTC Reader, LTC Data Base and Embed Report  publications.

SYLLABUS: The Center for Long-Term Care Reform's LTC Graduate Seminar covers each of the following points and provides detailed historical and documentary evidence at every step of the presentation.

The Problem of Long-Term Care

o Americans are living longer, but dying slower often in need of expensive long-term care (LTC).

o Trends in aging demographics guarantee that LTC will become a much bigger and more expensive, possibly catastrophic, social and political challenge in the future.

o America's LTC service delivery and financing system is severely dysfunctional in terms of access, quality, reimbursement, discrimination, and institutional bias.

o LTC places a huge financial burden on U.S. social programs (principally Medicaid and Medicare) while private financing of LTC, especially insurance, is very limited.

o In the absence of adequate public and private third party financing for professional LTC services, American families struggle to provide informal care at home with little help.

o Related problems are growing, such as, physical and financial abuse of the elderly exacerbated by economic and emotional pressures on the "sandwich generation."

The Reason Long-Term Care Service Delivery and Financing Have Become Such Big Problems for America

o Ironically, well-intentioned public financing of LTC since 1965, although helping many people in need, has inadvertently created and exacerbated the status quo.

o Medicaid financing of nursing home care led to institutional bias. Neither Medicaid nor Medicare can afford to provide the community care most seniors prefer.

o Simultaneously, public financing of LTC inhibited the growth of a private market for home care, assisted living and the private insurance products to pay for them.

o Limited provider reimbursement by Medicaid and Medicare caused access and quality problems, which led to discrimination against public recipients and in favor of private payers.

o Consequently, private payers are migrating to home care and assisted living leaving public payers and nursing homes with the highest acuity, most expensive patients.

o Ramifications for staffing, litigation, liability insurance, capital financing, stock prices, and viability of the system are approaching the end game.

o In the meantime, relatively easy access to Medicaid nursing home care and Medicare home care has desensitized the American public to the risk and cost of formal LTC.

o Thus, most people who need formal long-term care still end up in nursing homes paid for by Medicaid and very few Americans plan, save or insure for LTC.

The Solution

o The good news is that America's LTC crisis is relatively easy to solve, because it is self-inflicted by well-intentioned, but negative incentives in public policy.

o In America today, one can ignore the risk of LTC, avoid premiums for private insurance, qualify much more easily for public benefits than is commonly understood, or dodge "spend-down" requirements entirely.

o Stricter eligibility rules (e.g., "Throw Granny in Jail") and mandatory estate recovery have failed to save Medicaid or encourage individual responsibility because they come after it is too late to save or insure.

o To solve the LTC crisis, we should

(1) educate everyone by age 50 about the risk and cost of LTC,

(2) enforce "LTC Contracts" before retirement whereby everyone acknowledges the personal responsibility to save or insure for LTC,

(3) reduce or eliminate the Medicaid home equity exemption so that more people use their home equity to purchase long-term care and/or buy long-term care insurance to protect their home equity,

(4) more faithfully recover from the estates of deceased Medicaid recipients to replenish the programs resources and prevent its remaining free "inheritance insurance" for boomer heirs who should be preparing responsibly for their own long-term care someday, and

(5) use the savings to enhance Medicaid as a safety net for the truly needy and to fund the cost of tax incentives for the purchase of long-term care insurance and the use of reverse mortgages.

o With these positive programs and incentives in place, fewer people will depend on Medicaid or Medicare for their LTC and those programs will be better able to serve their legitimate recipients and beneficiaries.

SPONSORING ORGANIZATION: The Center for Long-Term Care Reform is a private, nonpartisan think tank and public policy organization headquartered in Seattle, Washington. The Center's mission is to ensure access to quality long-term care for all Americans. Center representatives speak at conferences, write for publication, testify in state legislatures, and conduct training for professional financial advisers of the elderly throughout the United States. Details on the Center for Long-Term Care Reform, including the bona fides of the organization and its principals, may be found at www.centerltc.com. The seminar instructor's curriculum vitae follows.


Stephen Moses is president of the Center for Long-Term Care Reform in Seattle, Washington. The Center promotes universal access to top-quality long-term care by encouraging private financing and discouraging welfare financing of long-term care for most Americans. Previously, Mr. Moses was Director of Research for LTC, Inc., a Medicaid state representative for the Health Care Financing Administration and a senior analyst for the Inspector General of the U.S. Department of Health and Human Services.

Mr. Moses is widely recognized as an expert and an innovator in the field of long-term care. McKnight’s Long-Term Care NEWS named him "one of the 100 most influential people in long-term care." Nursing Homes magazine reported "there is probably no more articulate spokesperson for privately financed long-term care than Stephen Moses."

Steve Moses has directed numerous national studies for the federal government, state governments, and private organizations on Medicaid nursing home eligibility, asset transfers, estate recoveries and long-term care financing. He specializes in problems associated with "Medicaid estate planning," the practice of artificially impoverishing affluent people to qualify them for public assistance.

Moses is credited with having "forged the framework" for the Omnibus Budget Reconciliation Act of 1993, which attempted to bring Medicaid eligibility loopholes under control. He played a critical role in the design and passage of the Deficit Reduction Act of 2005.  He helps state Medicaid programs curtail Medicaid estate planning and encourage private insurance as an alternative to public welfare financing of long-term care for the middle class.

Mr. Moses’ articles appear often in distinguished publications like The Gerontologist, The Journal of Accountancy, Contemporary Long-Term Care, Best’s Review, National Underwriter and LTC News & Comment. He is the author of "Health and Long-Term Care Insurance," a chapter in Clark Boardman Callaghan’s legal treatise, Advising the Elderly Client. He has testified before Congress and two-thirds of America’s state legislatures. He frequently addresses professional conferences in the fields of law, aging and insurance.

Steve Moses’ recommendations are quoted often in the national media including the "CBS Evening News," PBS’s "Frontline" and "The Financial Advisors," CNN, National Public Radio, The New York Times, Newsweek, USA Today, Forbes, The New Republic, Smart Money, National Journal, and Jane Bryant Quinn’s syndicated column. He appears in a public television documentary entitled "The Aging of America: The Dilemma of Long-Term Care." His talk radio appearances on health care reform are unique, provocative, and increasingly in demand.

Mr. Moses wrote the chapter on long-term care financing for a new anthology entitled Toward Healthy Aging, edited by best-selling author Ken Dychtwald of Age Wave renown. His chapter in an anthology on the Long-Term Care Partnerships was published in 2001. He is also the author of LTC Choice: A Simple, Cost-Free Solution to the Long-Term Care Financing Puzzle, The Myth of Unaffordability: How Most Americans Should, Could and Would Buy Private Long-Term Care Insurance, The Realist's Guide to Medicaid and Long-Term Care, and Aging America's Achilles' Heel:  Medicaid Long-Term Care.


"Best seminar I’ve ever attended." Peggy Selvey – Indianapolis, IN

"Brilliant! What an awakening. You have solidified my conviction to LTC." Michael Wagner – Kansas City, MO

"Steve Moses is the best advocate and speaker for the LTC industry that I’ve ever heard in my 20 years in this industry." Karey Meek Anderson – Des Moines, Iowa

"Who thought LTC could be interesting? An excellent orator, engaging and passionate about LTC." Lorna Wood-Daniel – Duluth, GA

"Very eye-opening and this stirs me to educate my baby-boomer clients to buy LTCI. Be ready." Kris Hanson – Phoenix, AZ

"For 11 years I have done financial planning for retirees but not any long-term care insurance. After this presentation, I see the immediate need and will include this in my practice." Travis Morrow – Richland, WA

"From the moment of the legislative breakfast to an interview at 7:30 Tuesday morning, we have been overwhelmed by the positive response to our sponsorship [of the LTC Tour] from the media and the community. This means bundles for us, our company, and furthering the cause of long-term care planning." Gail Lindsey of Lindsey and Associates – Chattanooga, TN

"Loved it—terrific information! Wow! You are the ‘cry in the darkness’." Kristi Gorgia – Phoenix, AZ

"Excellent! An eye-opening presentation. Should be attended by professionals, especially attorneys, CPAs and financial planners." Neelam Davison – Green Bay, WI

"Long-term care expenses and assets under management are going to cross paths in everyone’s life in some manner. If you want to have access to the best collection of information and resources for long-term care risks you should join the Center for Long-Term Care Reform and get Steve’s bullets. He is the most knowledgeable professional in this country on this issue and this information will help you advise your clients on this risk." Fred Frauhiger – Indianapolis, IN

"Anyone who calls themselves an LTC professional must hear Steve Moses." Susan Laronge – Woodland Hills, CA

Note to Steve: "I am so excited by all that you have done since leaving my meeting! You certainly stirred up my Brokers. I have been answering questions, running proposals, and juggling my calendar to meet with their clients. Everyone that was there had so many positive comments and questions! Thank you for your time and what you are doing for our industry." Susan Baskett – Nashville, TN

"Steve Moses spun the most compelling and engaging ‘wake-up call’ I’ve ever heard. Thank you. With eyes open." Linda Zellmer – St. Louis, MO

"A powerful program! Knowledge is power and the key to successful sales is effective communication for the benefit of the buyer." Gregg Bernhold – Indianapolis, IN

"Wow—this was eye opening! It will impact how I continue my LTC practice." Phyllis M. Pulver – Latham, NY

"So informative. A brain wake up for me. New way to approach the LTC sales opportunities." Anita Speece – Lincoln, NE

"Your experience and expertise as well as a window into the past, present and potentials for the future are invaluable tools for me to be a better agent/broker. Thank you for further empowering me today to serve my clients better!" Carol Knowles – Woodland Hills, CA

"Stephen is like the Encyclopedia of LTC! I look forward to upcoming online information." Cat Gautieri – Woodland Hills, CA

"Very informative. I felt your passion for the topic and the future of LTCI was very evident, encouraging. Thanks." Kevin Heinrich – Lincoln, NE

"Steve Moses’ seminar gives a comprehensive explanation of long-term care from the government perspective and A to Z on how we got to where we are today with Medicare and Medicaid. He gave so much background information that sheds a lot of light on this huge problem. It will definitely be helpful for selling LTC insurance." Durinda Ashley – Kansas City, MO

"This was a very insightful presentation. It increased my understanding of the whole picture of LTC significantly." Richard H. Smith – Indianapolis, IN

"Steve, you are a real eye opener for all of us! I really need your informational resources." Fred J. Day – Indianapolis, IN

"What an important story the public needs to be told. Thank you!" Thomas R. Anderson – Indianapolis, IN

"I’m currently a member and love the wealth of information." Diane Forshee – Phoenix, AZ

"Having been involved in this market since 1984, I greatly appreciated the tremendous information that was given that will allow me to better serve my clients. I learned so much. Even with my experience in this area. Thank you so much." Larry E. Sanders – South Bend, IN

"Steve: Thanks for your leadership in educating us in the larger scope that gives me hope regarding long-term care. There will be huge growth in the near future. Keep on pressing your hard work. Thank you!" Rene Apack – Lake Forest, IL

"Stephen is a true authority on LTC. A must-listen-to source to provide true service to customers and clients." Clemence Dartey – San Diego, CA

"Really helped put where we are today and how we got here in perspective and how we can approach our clients." Brian O’Connell – Latham, NY

"Scary but fundamentally sensible reasoning for the ‘why buy LTC insurance?’ question." Sara L. Coleman – Latham, NY

"One of the most insightful explanations of the problems inherent in long-term care I’ve seen. This is vital information to all who are involved in long-term care and estate planning." Bill Shouse – Latham, NY

"Steve: Thank you for your tireless work on behalf of reasonable LTC planning. You are like a beacon in the night to me." Owen G. Mohan – Windsor, CT

"Eye-opening, entertaining, and educational description of Medicaid/Medicare and the future of long-term care. Helps to explain why long-term care insurance is so crucial to financial planning. Presentation is well worth the time spent." Elissa Winter – New York, NY

"A great reminder of why we do what we do as insurance consultants. LTC insurance ensures financial independence." Scot Granger – Milwaukee, WI

"Excellent information that all producers and public policy makers need to be aware of." Jim Joslin – Milwaukee, WI

"Eye opening and enlightening information that every planner should incorporate in every client engagement." Richard L. Cox – Santa Fe, NM

"Stephen Moses: a voice of sanity and a position based on principle and compassion. Thank you! May the seeds you sow bear much fruit!" Bill Halsey – Knoxville, TN

"Everything I knew about LTC was turned on its head." Kevin Gormley – Knoxville, TN

"Great speech with astonishing facts. I have gained knowledge and a new way to view LTC." Lannis Greene – Knoxville, TN

"Very informative. The explanation of the hidden cause of consumer denial regarding LTCI was clear and compelling." William C. Hubbard – Exton, PA

"I am a former nursing home administrator and now a financial advisor. Your message is dead on." Van Gilbert – Houston, TX

"My experience as V.P. of long term care sales has put me in front of thousands of consumers each year. Your description of consumers living in a ‘look back’ world of government taking responsibility is always part of their belief system. You have hit the ‘nail on the head.’ You have made it easier for me to explain this to my agents." Leni Cohen – Coral Springs, FL


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