LTC Bullet: What Have You Done for Me Lately?

Friday June 22, 2001


***This Bullet is sponsored by American Independent Marketing (AIM) / American Independent Underwriters (AIU), "long-term care insurance wholesalers marketing to agents and consumers nationwide for over 20 years." Go to or call (800) 672-7202 (AIM), (800) 842-7799 (AIU) for more information. Thanks so much to AIM/AIU for its generous support of the Center and commitment to keeping LTC Bullets free to everyone. Find out how you can sponsor LTC Bullets or other Center activities (e.g., articles, speeches, conference exhibits) by contacting Amy Marohn at 425-467-6840 or***

When most people think of the Center for Long-Term Care Financing, they think of LTC Bullets and the abundance of speeches, reports and information available free of charge on our web site at But the Center does much more behind the scenes to encourage private financing of long-term care and, thereby, to help save Medicaid-financed care for the needy.

Once in awhile, we provide an accounting of what we’ve done for you lately and we ask for your financial and moral support. What follows are a few of the things we’ve done since the first of the year to help you achieve success in our common mission--to ensure quality long-term care for all Americans. So, peruse this inventory of activism and ask yourself: Where else can I find this depth and breadth of passion, advocacy and impact?

Then, whatever your interest or role in promoting quality long-term care . . . whether you administer a Medicaid program, run a long-term care facility, sell insurance, advise seniors, lobby, govern or contribute in any of a hundred other ways . . . if you find value in what the Center for Long-Term Care Financing is doing . . . if you want efforts like these to continue . . . please support the Center with a generous, tax-deductible financial contribution.

We greatly appreciate and always acknowledge individual contributions in any amount. (These can be made online at To keep the Center operating into the future, however, we need considerably more support from corporate donors. If you believe in the Center and have any influence with long-term care service providers, insurers or other companies dedicated to quality long-term care, please exercise that influence to encourage them to contribute immediately and annually to the Center for Long-Term Care Financing.


*** The Center excites media interest in the problems facing America’s long-term care service delivery system and the need for additional private financing through long-term care insurance and other planning vehicles.

In a front-page June 6, 2001 "Wall Street Journal" article on the use of annuities for Medicaid estate planning, reporter Ann Davis cited the Center for Long-Term Care Financing anonymously as an "association that is dedicated to stamping [Medicaid estate planning] out."

In both April and May 2001, Jane Bryant Quinn cited the Center in her nationally syndicated financial advice columns, which reach millions of readers. Quinn subscribes to LTC Bullets and has often criticized Medicaid estate planning and encouraged quality long-term care insurance in her columns, articles, and speeches.

Joe Weber’s article, "Nursing Home Care: Code Blue," in the May 7, 2001 issue of "Business Week" (pages 107-8) covered the tragic malaise in America’s nursing home industry and cites the Center for Long-Term Care Financing warning of the downsides of Medicaid planning and the importance of early long-term care planning.

Since the first of the year, the Center:

*has also been cited in the "Detroit Free Press," "Times Picayune" (New Orleans), "National Underwriter," "Insurance Times," "Broker World," "McKnight’s Long-Term Care News," "Nursing Homes (Magazine)," "Provider (Magazine)," "ILC Report: Longevity News and Trends in the U.S. and Abroad," "," and "Elder Express."

*has initiated contact with one or more business/financial or public policy reporters from the following print or electronic media: "California Broker," "National Underwriter," "Provider," "Daily Policy Digest," "Washington Post," "," "Arizona Republic," "San Diego Union-Tribune," "Los Angeles Times," and the "San Francisco Chronicle." These contacts typically included our response to a specific article written by a reporter, an introduction to the Center as a resource, an invitation to subscribe to LTC Bullets, a direct link to the Center’s website/public policy reports, and staff contact information.


*** The Center works closely with state and federal legislators, administrators, and policy makers. With the U.S. economy in a slump, tax receipts down and Medicaid expenditures once again skyrocketing, we’re seeing strong, renewed legislative interest in the Center’s creative approach to long-term care financing.

Center President Stephen Moses briefed representatives of the Pennsylvania state legislature regarding long-term care financing challenges in Harrisburg, PA on May 14, 2001. Steve also testified in the Washington and Kansas State legislatures in March 2001. He is scheduled to provide testimony in Idaho in July 2001. So far, Steve Moses has testified on long-term care financing in over half the state legislatures.

In April and May, Moses and Amy Marohn, the Center’s Director of Development and Marketing, conducted individual briefings for more than 35 key policy makers in Washington, DC including the new White House health policy adviser, a top-level confidante of the new USDHHS Secretary Tommy Thompson, the executive directors of the leading LTC trade associations, and numerous House and Senate committee and personal members’ staff.


*** Center for Long-Term Care Financing staff publish frequently in the long-term care service delivery and financing trade media and in many other venues. Some recent and forthcoming examples include:

"Long-Term Care Due Diligence for Financial Advisers," by Stephen Moses was first published as an LTC Bullet and on its sponsor’s web site, "The Journal of Financial Planning," a prestigious publication of the Financial Planning Association of America, will publish a slightly modified version of the article soon. The article will also become a chapter in a forthcoming book on long-term care planning by gerontologist Karen Shoff.

"The LTC Triathlon," an article about the Center’s project to mobilize leading financiers, providers and insurers of long-term care for more effective, mutually beneficial public policy advocacy, was published in the May/June 2001 issue of "Advance," a long-term care trade journal.

"Why LTCI?," an article on why long-term care insurance has not penetrated a bigger market yet and why that will change for the better soon, was recently published in "Senior Market Adviser" magazine.

"They’re Baaack…Medicaid Planners Rise Again" was first published as an LTC Bullet and has been picked up for republication by the Heartland Institute’s "Health Care News."

Stephen Moses’ chapter titled "The Long Term Care Partnership Program: Why It Failed and How to Fix It" will be published soon in an anthology edited by Nelda McCall of Laguna Research Associates.


*** The Center’s Speakers Bureau is in demand for nationwide keynotes, public addresses, panel presentations and debates. If you need an educational or motivational speaker on long-term care issues, the Center for Long-Term Care Financing is the place to look. Here’s a list of the speeches we’ve delivered since the first of the year.

"Long-Term Care’s Race for Survival," presented at the First Annual Society of Actuaries’ Intercompany LTCI Conference in Miami, FL on January 23, 2001. This talk was also published as an LTC Bullet and posted on the Center’s website.

"Long-Term Care Due Diligence for Financial Advisers," presented to a national tele-conference call sponsored by The Constellation Group on February 14, 2001 and again on February 28, 2001.

"How to Avoid the Long-Term Care Trap," presented on March 13, 2001 to an audience of consumers and financial advisers at the Money Watch Live financial planning mega-conference in New Orleans, LA

A roundtable discussion on LTC financing and the Center for Long-Term Care Financing’s mission and activities, presented at the Seniors Housing World Conference in New York City, NY on March 21, 2001, a conference sponsored by "Commercial Property News" and the American Seniors Housing Association.

"Easing the Aging Years--Everything to Know About Elder Care Options," presented to the International Woman’s Forum in Washington, DC on April 18, 2001. The Forum is an invitation-only organization of women leaders with chapters throughout the world. The DC chapter includes among its members Cokie Roberts of ABC News, former Secretary of State Madeleine Albright, and Supreme Court Justices Sandra Day O’Connor and Ruth Bader Ginsberg.

"Working the Health Care System: Point/Counterpoint," a debate between Steve Moses and Medicaid estate planning attorney Jason Frank, presented as a luncheon event for the Maryland Gerontological Association’s 19th Annual Conference on May 4, 2001.

"Long-Term Care Financing: Fixing Our ‘Broken’ System," presented as a breakfast speech on the history and future of LTC financing to a joint conference of the Oregon Alliance for Senior and Health Services and the Oregon Assisted Living Facilities Association in Redmond, OR on May 7, 2001.

Center Executive Director David Rosenfeld delivered remarks on LTC consumer education at the National Endowment for Financial Education’s "Long-Term Care Think Tank" in Phoenix, AZ on May 7, 2001.

"Doing Well by Doing Good: The Principles of Long-Term Care," a three-hour training program for LTC insurance agents and brokers sponsored by Mowery Associates and John Hancock was presented to three audiences in two Pennsylvania cities during the week of May 14, 2001.

"How to Avoid the Long-Term Care Trap," a one-hour speech presented to a consumer audience in Harrisburg, PA on the evening of May 14, 2001, was followed by another hour of spirited questions and answers.

"The LTC Triathlon: Long-Term Care’s Race for Survival," a one-hour speech presented to the Advisory Council of the Senior Ministries Insurance Alliance on May 15, 2001 in Harrisburg, PA.

"The Mote in LTCI’s Eye," a one-hour speech presented to a gathering of the insurance counselors of the Senior Ministries Insurance Alliance on May 16, 2001 in Harrisburg, PA.

Steve Moses presented on a panel titled "Improving the Long-Term Care System--Alternative Perspectives" with leading LTC providers at the "LTC-100: Third Executive Management Conference for Senior Management of Long-Term Care Nursing Homes, Assisted Living and CCRCs" on May 21, 2001 in Sea Island, GA (The Cloisters).

"Assisted Living at the Crossroads: The Market, Medicaid or a Mix," presented as the luncheon address on June 11, 2001 at the California Assisted Living Facilities Association’s 2001 annual state conference & tradeshow "Challenges & Opportunities: The Future of Assisted Living" in Oakland, CA.

Forthcoming speeches already scheduled include a presentation to the National Conference of Lieutenant Governors 40th Annual Meeting in Louisville, KY on June 28, 2001; an address on July 26, 2001 to the quarterly sales meeting of Wellpoint/Blue Cross in Woodland Hills, CA; a three-hour program on "Doing Well by Doing Good" to the Idaho Health Care Association and invited guests including key legislators and staff in Boise, ID on July 31, 2001; a speech and panel on October 16, 2001 with former U.S. Senator David Durenberger at the American Health Care Association’s 52nd Annual Conference (AHCA is the proprietary nursing home association) in Boston, MA; and a speech to the District of Columbia Financial Planning Association on the importance of long-term care financial planning and due diligence for financial planning professionals to be delivered December 6, 2001 in Washington, DC.


*** You need to know what other professionals are doing in the area of long-term care service delivery and financing and they need to know what we’re thinking. That’s why Center for Long-Term Care Financing staff attend, exhibit, and report on a wide range of meetings. For example, we go to their conferences and we inquire: What kinds of shenanigans are the Medicaid planners up to now or what’s happening in the realm of long-term care capital financing? Then we bring you the answers. Here are some examples:

Center staff attended, co-sponsored and exhibited at the First Annual Society of Actuaries’ Intercompany Long-Term Care Insurance Conference in Miami, FL, January 21-23, 2001.

David Rosenfeld attended "Planning for Long-Term Health Care Needs and Client Options: What Attorneys and Allied Professionals Should Know," a program of the Washington State Bar Association on January 26, 2001.

Stephen Moses is an active member of the California Medicaid Estate Recovery Stakeholder Advisory Committee which meets bi-monthly in Sacramento, California. The Center is one of the few members representing the merits of private long-term care financing on this committee, which includes mostly elder law attorneys and public financing advocates.

David Rosenfeld attended the American Bar Association’s (ABA’s) "Ethics 2000 Commission" meeting in San Diego, CA to monitor for any efforts to amend the ABA’s ethics rules in ways favorable to Medicaid planning. Rosenfeld is a member of the Commission’s Advisory Council and has submitted written comments explaining the Center’s opposition to any such proposed rule changes.

Amy Marohn attended the Association of Fundraising Professionals 38th International Conference on Fundraising in San Diego, CA, March 11-13, 2001 in search of new funding sources for the Center’s programs.

Stephen Moses and David Rosenfeld attended and reported on the National Academy of Elder Law Attorney’s (NAELA’s) 13th Annual Symposium "Crossing Borders" in Vancouver, BC on April 19-21, 2001, one of the most egregious Medicaid estate planning advocacy and training programs convened in the past decade.

David Rosenfeld attended "Medicaid Planning: What Every Lawyer Should Know to Get Started," sponsored by the Washington Law School Foundation in Seattle, Washington on May 24, 2001.

Center staff are planning to attend and exhibit at the Private Long-Term Care Insurance conference in Miami, FL on August 19-23, 2001.

Again this year, we will cover the National Investment Center’s annual conference in Washington, DC (September 20-21) for LTC Bullets and reach out to long-term care financiers with the Center for Long-Term Care Financing’s LTC Triathlon message.

Center staff are planning to attend and monitor NAELA’s 2001 Advanced Elder Law Institute in St. Louis, MO on November 1-4, 2001.


*** We recognize that long-term care service and delivery is at the heart of the challenge to reform long-term care financing. Therefore, we routinely reach out to providers and their state and national trade association in an effort to raise awareness of the Center’s efforts and, ultimately, to build bridges of mutual understanding with this critical group of stakeholders. Here’s a representative sample of such contacts since the first of the year:

Center staff initiated contact with: Cedar Lane Rehabilitation and Health Care Center, Waterbury, CT; Methodist Manor House, Seaford, DE; Beverly Enterprises, Fort Smith, AR; Convenant Village of the Great Lakes, Grand Rapids, MI; The Point at Kirby Gate, Memphis, TN; Hebrew Rehabilitation Center for Aged, Roslindale, MA; Bishop Wicke Health and Rehabilitation Center/United Methodist Homes, Shelton, CT; Avery Crossings Assisted Living Facility, Needham, MA; Senior Resource Group, San Diego, CA; Sarah Neuman Center for Health Care & Rehabilitation, Mamaroneck, NY; Presbyterian Homes, Princeton, NJ; Mcauley Place: A Mercy Living Center, Muskegon, MI; ACTS Retirement-Life Communities, PA; Willow Valley Retirement Communities, Lancaster, PA; Senior Care Centers of America, Cherry Hill, NJ; and Merrill Gardens, Seattle, WA

In addition, Center staff completed "calls for presentations" for state nursing home associations in Arkansas, Arizona, California, Idaho, Iowa, Mississippi, Nebraska, New Mexico, Tennessee, Virginia, West Virginia, and Wisconsin. Center staff completed "calls for presentations" for assisted living associations in Connecticut, Oregon, Rhode Island and Wisconsin. Contact was also made with a key administrator at the Kentucky Association of Health Care Facilities.


*** Finally, the Center for Long-Term Care Financing is actively planning a series of LTC Summit Conferences to be held in conjunction with the national conventions of leading long-term care associations and organizations. These will be invitation-only events designed to enhance mutual understanding and cooperation between CEOs of the top financiers, providers and insurers of long-term care.