Now Everyone Can Plan for Long-Term Care; Updated '3in4' Guide Offers Overview of Product and Living Options, Fitting All Situations

KIRKLAND, Wash., July 24, 2013 /PRNewswire/ -- Today the publication of a comprehensive, updated guidebook makes clear that long-term care (LTC) planning has moved well beyond traditional insurance, Medicaid, and nursing-home care. The newly revised guide, "3in4 Need More: Long Term Care Planning TODAY," succinctly describes more than half a dozen government or private financial options. It also details care options ranging from at-home care to assisted living in plush senior residences. The 36-page publication is offered free by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with the 3in4 Association, the publishers.

There are new sections offering an overview of –

• Critical illness insurance,
• Reverse mortgages,
• Combination products such as life insurance policies with LTC riders, and
• Veterans Administration (VA) benefits.

Together with 12 other sections, the updated guide covers all the basics of planning for care when people can no longer do such things as walk, eat, or bathe unaided.

Should one hire a home-care aide or move to some kind of facility? What's the best option if you're rich, poor, or in between? The new edition helps answer such questions and more.

"We're delighted to make this information available free to organizations and individuals throughout America," says Denise Gott, LTCFP's National Sales Manager. "We think it can help individuals make a happier transition to a new way of life. And we think it can help companies maintain productivity by educating their employees, so they won't have to worry about a loved one's care needs instead of focusing on work."

Based on the premise that "3in4 Need More" than healthcare insurance, the guide helps the reader --

• Understand the odds of needing care and the risks of not having a long-term care plan,
• Do the research necessary for developing a plan,
• Decide on the best primary way to pay for care (self-insuring, Medicaid/Medicare, long-term care insurance),
• Work with a specialist (when LTC insurance is appropriate) to select the best carrier and design the best policy,
• Consider other means of addressing care costs, ranging from annuities earmarked for care to conversion of life insurance policies into long-term care benefits,
• Decide between a wide variety of senior care & living options.

Copies of the guide may be requested from the following specialists:

CA: Phyllis Solgere -- 909-627-5587
CA: Laura Weber -- 714-674-0190
CA: Sarah Fisher -- 510-230-4301
CA: Jim Valentine -- 408-792-0540
CA: Petra Petry -- 949-351-0347
CA: Art Neibrief -- 707-974-8282

CT: Larry Golfin -- 860-677-4075
CT: Steve Foss -- 860-539-0674
CT: Leonard Wik -- 860-432-1870

FL: George Braddock -- 305-378-8091
FL: Janet Washburn -- 239-404-7590

GA: Belen Hickman -- 404-245-2444
GA: Amy Pollock -- 404-237-1189

ID: Linda Hicks -- 208-331-2803

IL: Robin Frank -- 773-774-2600

IN: Kirk Bennett -- 260-969-1310

MI: Tom Varner -- 810-796-2405

MN: Jennifer Ragborg -- 952-898-2750

MO: Wendy Rinehart -- 816-886-2358
MO: Keith Eisberg -- 573-303-3007

NE: Larry Heinert -- 402-339-8643
NE: Larry Neuwirth -- 308-635-2023

NJ: Michael B. FitzPatrick -- 862-242-8787
NJ: Richard Landau -- 201-476-0880
NJ: James Cundari -- 973-450-1074

NY: Steve Brefere -- 914-234-7767
NY: Virginia Lee Kintz -- 866-582-6074
NY: Sheila White -- 631-893-4040
NY: Jennifer Lenihan -- 631-262-7167
NY: Susan Lenihan -- 631-262-7167
NY: Jay Charno -- 516-935-4029
NY: Gene Cutler -- 516-869-6767
NY: Michael Robinson -- 516-612-4936
NY: Ronald Brie -- 212-799-3900
NY: Dana Dee -- 716-983-1316
NY: Ray Donnelly -- 516-747-1809
NY: Peter Molnar     -- 800-588-9406

OH: Thomas Hodges -- 513-519-6010
OH: John Cullen -- 419-797-9210
OH: Pattianne Baran -- 216-409-0859
OH: Brenda Gray -- 513-541-3968

OK: Samuel Walker -- 405-816-0868

OR: Diane Steeves -- 503-297-7677

PA: Kevin Bressler -- 610-783-6970
PA: Anthony Camill -- 412-445-6171
PA: Cathy Allen -- 610-588-0852

SC: Madeline Wade -- 317-259-4113

TN: Mark Wardell -- 901-337-4146

TX: Bill Holland -- 817-283-7221
TX: Kay Nettles -- 713-466-4614
TX: Kat Roebuck -- 281-431-4033
TX: Kim Beckham -- 361-579-9663

VA: Linda Sotirion -- 757-646-6820
VA: George Polizos -- 757-291-8505
VA: Patricia O'Neill -- 703-534-3255
VA: Penny Gilbert -- 703-281-0914
VA: Michael Zuchowski -- 757-467-1354

VT: Tod Warner -- 802-985-4930

WA: Christine Khemis -- 888-582-5364
WA: Lucille Smith -- 206-877-3456

WI: Lynette Schiefer -- 920-434-4559.

LTCFP -- www.ltcfp.com -- is one of America's largest and most experienced long-term care insurance agencies.  The company is a co-founder and sponsor of the "3 in 4 Need More" campaign, which seeks to alert Americans to the long-term healthcare crisis, and to multiply the number protected by long-term care planning.

*(PHOTO 72dpi: http://www.send2press.com/mediaboom/13-0724-ltc-essentials_72dpi.jpg )

*(Photo Caption: Book cover, "3in4 Need More: Long Term Care Planning TODAY")

*(PHOTO 72dpi: http://www.send2press.com/mediaboom/13-0313-denise-gott_72dpi.jpg )

*(Photo Caption: LTCFP National Sales Manager Denise Gott.)

This release was issued on behalf of the above organization by Send2Press(R), a unit of Neotrope(R). http://www.Send2Press.com

SOURCE LTC Financial Partners LLC