LTC Bullet: How to Avoid the Long-Term Care Trap

Friday May 11, 2001


LTC Bullets readers often ask us for sample speeches from which they can draw ideas to use in their own public addresses. We've obliged occasionally by posting transcripts of lectures delivered by Center for LTC Financing President Steve Moses on our website at We've received so much positive feedback on these postings that we have decided to add more of Steve's talks to the site.

The speech we are posting today is entitled "How to Avoid the Long-Term Care Trap." You can find the transcript at Steve delivered this talk on March 10, 2001 to a consumer audience at "Money Watch Live 2001" in New Orleans. This annual financial planning mega-conference attracts 6,000 to 7,000 people and is well known as the premier event of its kind in the U.S.

The title of Steve's talk is a play on the title of a best-selling Medicaid planning "how-to" manual--"How toAvoid the Medicaid Trap," by Armond Budish. Steve's message is that the real long-term care trap is to end up dependent on Medicaid, because you failed to plan early and save, invest or insure for the risk of long-term care. The talk was very well-received by an enthusiastic audience.

LTC Bullets readers will find this material familiar. What is different is the mode and style of presentation, i.e. to consumers instead of to a public-policy audience. We hope you like it.

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