LTC Bullet:  Broker World Covers LTC Tour 

Wednesday, November 12, 2008 

Show Low, Arizona (LTC Tour Mile 24,660; State #37)-- 

LTC Comment:  Read my latest update on the 2008 LTC Tour published in Broker World magazine, after the ***news.*** 


*** SANTA ANA LTC GUILD:  Steve Moses speaks Friday, November 14th at 12:00 Noon.  Location:  MetLife Board Room, 5 Park Plaza, Irvine, CA.  Check in at the 19th floor.  Please RSVP as soon as possible to Rhonda Guilin, MS, PT, CLTC at 562-743-3578 or *** 

*** LTC LALLAPALOOSA IN WOODLAND HILLS. Will you be in, near or within reach--by air, rail or road-- of Woodland Hills, CA on November 18? If so, do your prospects, clients and bank account a favor. Attend Barry Fisher's "Silver Bullets for Long-Term Care Insurance Sales Success" program. You'll hear Steve Moses (with the Silver Bullet of LTC in tow) and Marilee Driscoll explain why LTC insurance is soon to take off and how you can do well doing good riding the LTCI rocket. Other industry experts round out the agenda. Be there from 7:30 AM to 2:00 PM for breakfast, lunch, 2 hours of insurance CE credit, and dynamite insights, analysis and sales techniques. Go to for details and registration. *** 

*** STATE LIFE/ONEAMERICA EVENT IN PASADENA.  Stephen Moses is speaking in your area!  Save the date:  November 19.  As President of the Center for Long-term Care Reform, Steve Moses has spoken in front of Congress, various state legislatures, prominent industry and third-party groups and is now speaking in your area.  On Nov. 19, The State Life Insurance Company will be hosting Mr. Moses' discussion about the crumbling system of long-term care financing in this country and how individuals and society can combat the overwhelming costs that are looming on the horizon, especially with the transition of Boomers into their retirement years.  Truly an important message for you to hear. Steve Moses is not to be missed. As part of this event, State Life's Regional Marketing Director Heather Adamson will also offer a one hour CE course about the various choices in funding long-term care expenses with an asset-based approach.  When & Where:  Wednesday, Nov. 19, Registration: 8:30 am, Meeting: 9:00 am - 11:00 am.  Brookside Golf Club, 1133 Rosemont Avenue, Pasadena, CA  91103, (626) 585-3598.  To register, please log on to and choose 'Special CE w/Steve Moses-Natl LTC Expert'.  Feel free to contact me with any additional questions, James Romero, Southern California, Hawaii, 888-740-2170, *** 

*** MODESTO MEETING. Stephen A. Moses will speak on "What You Need to Know About Long Term Care: Past, Present & Future" on Thursday, November 20, 2008 at Hazel’s, 431- 12th Street, Modesto, CA.  Reservations required by Monday, November 17th.  Go to for details and to register.  Sponsored by Central Valley NAIFA: *** 

*** WATSONVILLE EVENT.  From: Jim Heitzig,  Our November Breakfast Meeting on Friday, Nov. 21st is going to be a spectacular event.  This being Long Term Care Awareness Month, we are honored to have as our speaker, Steve Moses, one of the foremost Long Term Care experts in the country.  Thanks to the efforts of Dan Nicholas and Barbara Hanson, we have been added to his national tour for this one time event.  If you want to know where Long Term Care is headed, then don't miss this meeting.  Reservations are simple.  Simply reply to and tell me you're coming.   More details here.  Location:  Green Valley Grill, 40 Penny Lane (off Green Valley Road), Watsonville, CA.  Plenty of free parking. Table Topics begin at 7:30 a.m.  Breakfast & Program at 8:30 a.m. *** 

*** SANTA CRUZ SYMPOSIUM.  When:  Friday, November 21, 2008, 11:00 AM to 2:30PM.  Cost: $20, lunch included. Where: Live Oak Senior Center, 1777 Capitola Rd., Santa Cruz, CA 95062.  Who: Sponsored by: local professionals working with seniors and SCEPA (Senior Care & Estate Preservation Advisors). RSVP: Safe At Home Senior Care: (831) 462-3500, space is limited. Registration and Welcome 11:00-11:35. ***


LTC Comment:  What an adventure!  I do feel like "I've Been Everywhere," as the Johnny Cash song says.  For my latest update on the Center for Long-Term Care Reform's 2008 National Long-Term Care Consciousness Tour, read on.

To see the pictures as well as the text, go to\Articles\BrokerWorld-LTCTOUR3.pdf.

Many thanks to Editor Sharon Chace and Broker World magazine for their Gold sponsorship of our 2008 LTC Tour and for permission to reprint the following article from their November 2008 issue.  (I wrote this piece in early September.  My final update in the four-part series will recap the whole LTC Tour.  Watch for it in the February or March 2009 issue of Broker World.)

"The LTC Tour: One-Third, Two-Thirds And One-Half Remaining"
Stephen A. Moses

Say what? Let me explain…

The National Long Term Care Consciousness Tour is a year-long, grass roots campaign to wake up the media, policymakers and the American people to the importance of planning for long term care.

The LTC Tour began January 1, 2008, in Tampa, FL, where I purchased the “Silver Bullet of Long Term Care,” a 16- foot Airstream trailer towed by a titanium metallic Toyota FJ Cruiser. That’s been my home away from home ever since. 

So far, I’m eight months into the tour— thus, one-third of the calendar year remains. But look at the LTC Tour map []—there is still two-thirds of the country to cover and, with the wide expanses of the Midwest and West remaining, half the tour’s miles are yet to be driven. That means most of the people who will see the Silver Bullet, bedecked with its sponsors’ corporate logos, are yet to set eyes on it.

Many platinum, gold, silver and bronze sponsors have signed on to support the LTC Tour. They include the tour’s coordinating sponsor, GoldenCareUSA, several of the leading long term care insurance carriers, two distinguished insurance trade journals and more. Check them all out in the pictures at

What Have We Accomplished So Far? As of September 1, 2008, the LTC Tour has covered nearly 18,000 miles, 25 states and 2 countries. I’ve completed 50 formal presentations to groups such as financial planning associations, estate planning councils, and state and local affiliates of the National Association of Health Underwriters (NAHU) and the National Association of Insurance and Financial Advisors (NAIFA).

Some highlights since my last report in these pages (“The LTC Tour At 12,500 Miles And 20 States,” Broker World, July 2008) [] include an address to the Princeton, New Jersey Estate Planning Council, a presentation to headquarters staff of gold LTC Tour sponsor Prudential, meetings on Capital Hill with majority and minority staff of the House energy and commerce committee (the germane committee for Medicaid in the U.S. House of Representatives), a speech to the Financial Planning Association of Maryland, a briefing on U.S. LTC in the Silver Bullet for a two-man delegation from the United Kingdom’s Prime Minister’s office, presentations to the invitation-only LTC Discussion Group and to the Heritage Foundation in Washington, DC, a side-trip flight to Milwaukee for a talk to gold sponsor OneAmerica’s key clients, keynoting long term care day at LIMRA International, serving on a panel at a Fearless Caregiver conference (, and a side trip flight to address the Financial Planning Association of Charlotte, NC.

One big surprise. When I showed up at gold sponsor MetLife’s long term care insurance headquarters in Westport, CT, on July 15, what I expected to be two perfunctory one-hour talks turned into a full-day extravaganza. MetLife mascot Snoopy spent the whole day with us taking pictures with me and all the staff of each of the company’s major divisions, including MetLife’s outstanding Mature Market Institute. What really blew me away was the slide show with which they introduced both of my presentations: a series of pictures of the LTC Tour, the Silver Bullet and me in locations all across the country to the tune of Johnny Cash singing “I’ve Been Everywhere.” A real hoot!  [Check it out on the LTC Tour's You Tube Channel:]

Maybe you will find some of the logistics of the LTC Tour interesting: So far I’ve filled the Silver Bullet’s fuel tank 75 times, with gas prices ranging from $2.96 per gallon in Tennessee in February to $4.50 per gallon in New York in July. Don’t bewail the LTC Tour’s carbon footprint too much; think of all the plane trips I’d have to have taken to do 31 major events this year.

The estimate is that I’ve stayed in more than 100 campgrounds so far and hitched and unhitched the trailer to and from the truck at least that many times. One morning, I walked 50 yards through icy rain to the showers at 6:00 a.m., only to find them all in use. Another time, I had to do an about face, return to the trailer and retrieve quarters to feed that campground’s pay showers. Every camp site varies radically in quality, comfort and amenities and I rarely stay more than a night or two in any one.

The LTC Tour isn’t all hard work and seriousness. We have our own YouTube channel where we’ve captured interviews with distinguished experts interspersed with comical vignettes along the way. Check out all 34 of them at

You’ll find me at Niagara Falls estimating that at one dollar per gallon of water, it would take six and a half years for the $102 trillion dollar unfunded liability of Medicare and Social Security to flow over the falls. Check out Snoopy and the gang when we visited MetLife. Believe it or not, see the Silver Bullet of Long Term Care in Cairo and Athens! And how about that campground in Jersey City where I could see the Statue of Liberty from the Silver Bullet and ferried to lower Manhattan in 10 minutes before taking the subway to the Metropolitan Opera? (Manhattan on $60 a night!). 

Yes, the National Long Term Care Consciousness Tour is a many-splendored thing. Get aboard. Everyone’s welcome. This year I can do programs for nothing or for a nominal cost that I usually have to ask large honoraria and travel expenses to do. Check out the details at the top of ˛

For more information about the Consciousness Tour’s itinerary, go to 

STEPHEN A. MOSES is president of the Center for Long-Term Care Reform, Inc., which is a . . . [private] think tank and public policy organization. Its mission is to ensure quality long term care for all Americans. Moses is widely recognized as an expert and innovator in the field of long term care. Previous to founding the center, Moses was president of the Center for Long-Term Care Financing (1998–2005); director of research for LTC, Inc. (1989–98); a senior analyst for the Inspector General of the U.S. Department of Health and Human Services (1987–89); and a Medicaid state representative for the Health Care Financing Administration (1978–87). Moses can be reached by telephone at 425-891-3640. Email:

Reprinted from BROKER WORLD November 2008
Used with permission from Insurance Publications Subscriptions $6/yr. 1-800-762-3387