Programs

"Long-Term Care Insurance: Everything You Really Need to Know" - An introduction to long-term care financing and insurance: who needs it, why they need it, how much they need, and what it costs.

"Doing Well by Doing Good: Education and Motivation for LTC Insurance Agents" - It takes an altruistic, masochistic, genius to sell long-term care insurance, because the government is giving it away after the insurable event occurs. Our program identifies and eliminates this critical but usually hidden reason why many prospects do not buy.

"The Fallacy of Impoverishment: Medicaid Estate Planning vs. Long-Term Care Insurance" - This is the story of how Medicaid estate planners artificially impoverish infirm elders to qualify them for Medicaid benefits and how this practice undermines the market for long-term care insurance. A blood boiler with examples aplenty.

"LTC Choice: A Simple, Cost-Free Solution to the Long-Term Care Financing Puzzle" - How did America's long-term care system become plagued by deficiencies of access, quality, reimbursement, discrimination and institutional bias? What is the solution?

"The Magic Bullet: How to Achieve Universal Access to High Quality Long-Term Care" - How can public programs adapt to solve the long-term care financing crisis? The Center for Long-Term Care Financing found the answer in our "Magic Bullet" studies of ten major states.

"The Myth of Unaffordability: How Most Americans Should, Could, and Would Buy Private LTC Insurance" - This presentation explodes the fiction that most people cannot afford long-term care insurance and proves that 70 percent to 80 percent of all Americans should, could and would buy coverage with the right incentives.

"The Health Care Hold-Up: Your Money and Your Life" - America's high-tech health care system, which is the marvel and envy of the world, is slowly disintegrating into an expensive bureaucratic muddle of Medicaid, Medicare, managed care, and a growing army of uninsured. How did it happen? How can we fix it?

"Pigs, Pythons, and Politics: How to Survive the Aging of the Baby Boom" - A 77-million-baby-boom bulge is moving through American history like a pig through a python. That bulge is really a thermo-nuclear time bomb set to explode after 2010. This program explains why and how the opportunities are even bigger than the perils!

"Medicaid Estate Planning: Moral Relativity and the Shell Game" - Medicaid Planners claim they are duty-bound to help their clients artificially impoverish themselves and that doing so is completely ethical. Not so fast! What do the laws and attorney ethics rules really say? (Rosenfeld)

Stephen Moses, President of the Center for Long-Term Care Financing, and David Rosenfeld, former Executive Director for The Center, are the principal presenters. All Center programs are available free of charge (except expenses and within reasonable limits) to full financial supporters of the Center for Long-Term Care Financing (contact the Center for details). Otherwise, the flat fee honorarium is $5,000 (Moses).

STEPHEN MOSES is President of the Center for Long-Term Care Financing. Mr. Moses is widely recognized as an expert and 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." Best's Review called him a "crusader for sanity in long-term care" who is one of the "People to Watch" in 1999. Moses lectures, consults, testifies, and publishes throughout the United States. 

DAVID ROSENFELD is former Executive Director of the Center for Long-Term Care Financing. He is a magna cum laude graduate of Case Western Reserve University School of Law, a member of the Washington State Bar, and a Master of Social Work. His article "Whose Decision Is It Anyway?: Identifying the Medicaid Planning Client" appeared in the University of Illinois Elder Law Journal. Mr. Rosenfeld writes frequently for publication and speaks often at insurance, law, and social work conferences.