LTC Bullet:  What Have You Done for Me Lately?

December 16, 2016


LTC Comment:  Our annual report follows the ***news.***

*** REGISTRATION IS OPEN for the 17th Annual Intercompany Long-Term Care Insurance Conference to be convened March 26-29, 2017 at the Hyatt Regency Jacksonville Riverfront in Jacksonville, Florida.  Early Bird registration rates ($895 for Individual Attendees, $395 for First Time Attendees) are available now through January 12th, 2017!  Click here for details and here to register.  Conference organizers tell us:  “If two or more people from your organization are planning to attend, it may be most cost effective for you to become a Sponsor or Exhibitor as they receive deeply discounted registration rates.”  Your Center for Long-Term Care Reform will be present at the meeting eager to discuss new possibilities in the LTC financing policy arena.  See you there! ***

*** MEMBERSHIP BENEFITS.  Let’s take a moment to review the benefits of individual and corporate membership in the Center.  For more details, see our “Membership Levels and Benefits Schedule.”

In a nutshell, as a regular member of the Center ($150 per year or $12.50 per month), you’ll get our weekly LTC Bullets and LTC E-Alerts and a user name and password for access to our “Members-Only Zone.”

In “The Zone,” you’ll find the “Almanac of Long-Term Care,” our compendium of LTC news, reports and statistics stretching back more than a decade with links to critical research materials covering eleven topics from “Aging Demographics” to “Unfunded Liabilities.”

Other features in The Zone include key Medicaid and Medicare numbers updated yearly and archived, a transcription of our highly regarded “Long-Term Care Graduate Seminar,” links to the major current and past “Long-Term Care Cost Surveys,” a couple dozen reasons why veterans should not rely on VA benefits for long-term care and much more.

If you’re really serious about a career in long-term care financing, then join the Center as a “Premium Member” ($250 per year).  At that level, you’ll have all the benefits of regular membership plus email and phone access to Steve Moses with a 24-hour turnaround and a subscription to our “Clipping Service,” placing you on the pioneering forefront of up-to-the moment news, data and analysis in your field.

Premium Elite members ($500 per year) get all of the above plus a complimentary LTC Bullet or LTC E-Alert sponsorship with a banner ad, complimentary Center membership for one assistant, and quickest-turnaround email and phone access to Steve Moses.

Regional Representative members ($500 per year) get all of the above and, after they meet all the qualifications—including five years qualified experience and completion of our LTC Graduate Seminar—the status of Regional Representative of the Center for Long-Term Care Reform.

Every member of the Center gets the “Big Benefit”:  the knowledge and personal satisfaction that you're supporting the indefatigable research and public policy advocacy of the Center for Long-Term Care Reform.

Corporate membership at the Bronze, Silver, Gold and higher levels is also available.  Each level includes the same benefits individual members receive for increasing numbers of employees or producers plus additional benefits exclusively for corporate members. ***


LTC Comment:  In 2016, the Center for Long-Term Care Reform (jointly with the Federalism in Action think tank) published, CASSANDRA’S QUANDARY: The Future of Long-Term Care in New Hampshire.  While the report focuses on the Granite State, much of its analysis, based on the Center’s “Index of Long-Term Care Vulnerability,” is applicable nationwide. 

Throughout 2016, we conducted research aimed at revealing flaws in the emerging consensus among researchers and policy makers in favor of a new, compulsory, payroll-financed government program to fund catastrophic LTC expenses.  Under a grant from the highly regarded Foundation for Government Accountability think tank we compiled evidence against and proposed a better alternative to that misguided approach.  Our report, provisionally titled “Long-Term Care Financing: The Myth and the Reality,” will be published early in 2017.  But throughout 2016, we gave Center members several insights into the new study’s original plan, change of direction, progress, findings and recommendations:

LTC Bullet:  Center Kicks Off New Year With Major Study,” Friday, January 8, 2016

LTC Bullet:  Losing Principles,” Friday, April 29, 2016

LTC Bullet:  The Early History of LTC Financing (and Why It Matters),” Friday, June 24, 2016

LTC Bullet:  LTC Action Plan,” Friday, July 1, 2016

LTC Bullet:  New Report Preview,” Friday, July 29, 2016

LTC Bullet:  Real vs. Mythical Medicaid,” Friday, August 26, 2016

LTC Bullet:  Behind AHEAD,” Friday, September 2, 2016

LTC Bullet:  Medicaid Malfunctions Multiply,” Friday, September 16, 2016

LTC Bullet:  How Fiscal and Monetary Malfeasance Will Ruin Long-Term Care,” Friday, October 7, 2016

LTC Bullet:  LTC Predictions,” Friday, December 9, 2016

Now let’s turn to the Center for Long-Term Care Reform’s other 2016 activities in brief.


LTC Bullets

The Center for Long-Term Care Reform published a total of 48 LTC Bullets in 2016.

The Center endeavors every year to keep our members educated and updated about important news and developments bearing on long-term care financing policy.

Once a week, usually on Fridays, we publish our LTC Bullet.  The Bullets are often policy pieces, sort of like op-eds.  You can always find the five latest Bullets here and archives of all 1161 Bullets (so far), by date here and by topic here.  These articles are a valuable historical resource.  Please make use of them. 

Some highlights of our 2016 LTC Bullets include:

January The Long-Term Care Crisis:  Why Now But Not Yet?
February:  Three Cheers (But Two From the Bronx) for New BPC-LTC Recommendations
March The 16th Annual Inter-Company Long-Term Care Insurance Conference:  A Virtual Visit
April:  LTCI Defeatism
May LTCI Lapses Reconsidered
June LTC at a Crossroads
July The Senior Financial Security Program, Again
August New CLTCR Website Feature
September:  Claude Thau Has Your Back
October Who Isn’t Covered by Private Long-Term Care Insurance?

November The LTC Discussion Group and Marc Cohen’s Claimant Study Presentation
So What If the Government Pays for Most LTC?, 2015 Data Update


LTC E-Alerts

Our LTC E-Alerts are a weekly compendium for regular Center members of the previous week’s LTC Clippings, described below.

The Center for Long-Term Care Reform published a total of 48 LTC E-Alerts in 2016.

LTC Clipping Service

Our LTC Clippings lift the burden of time-consuming research off the shoulders of LTC professionals whose time is better spent providing financial planning advice to clients, selling long-term care insurance, counseling borrowers on home equity conversion, or supplying any of the many other critical services our members provide. 

Center staff have to stay abreast of everything that’s happening in the popular and professional media.  We pore over tons of material so you don’t have to spend nearly as much time doing so.  We scan the print and electronic literature on long-term care services and financing every day.  We identify the articles, speeches and reports that we consider most important for Center members to read, hear or see.  Then we cite them by date, title and author; we provide a representative quote from the source; we give our “take” on what it means in our “LTC Comment;” and we send out approximately three “LTC Clippings” by email per work day.

Reading the LTC clippings on the go keeps your professional knowledge at a peak minute-by-minute.  They make a nice break from other duties.  And you’re probably more likely to read a few items per day than to go through the whole list of publications in the weekly LTC E-Alerts at a sitting.

We explained all the details and pricing for the LTC Clipping Service in LTC Bullet:  New LTC Clipping Service.  Check it out.  If you’d like to subscribe, contact Damon at 206-283-7036 or

The Center for Long-Term Care Reform published a total of 584 LTC Clippings so far in 2016 or roughly 1.7 per calendar day and 2.3 per work day.  2016 was our fifth year offering the clipping service in real time. 

Season’s Greetings

All in all, 2016 was a challenging year for long-term care financing and for your Center.  We look forward to a better 2017 as the political ground becomes more fertile for public policy research and advocacy.  The pendulum is swinging back, away from expansion of government dependency and toward more personal responsibility.

We wish our many friends and members Happy Holidays, a Merry Christmas and Prosperous New Year.

The Center’s Clipping Service will continue without interruption, but for everything else, we’ll see you next year.