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CLASS Finally Dismissed

The future of the Community Living Assistance Services and Supports program came into question when its chief actuary resigned and its staff was reassigned in recent weeks (Best's News Service, Sept. 23, 2011). Also, the Senate Appropriations Committee did not provide the program with any funding in a fiscal year 2012 spending plan advanced Sept. 21. On October 14, 2011, the CLASS Administrator, Kathy Greenlee, forwarded a memo to Kathleen Sebelius, Secretary of the Department of Health and Human Services, with the recommendation to terminate the program. On the same date, Secretary Sebelius issued a letter to Congress October 14, 2011 that the Act is officially dead. Her letter referred readers to a 48-page report that shows the underlying actuarial reasons as to why this program is fiscally unsustainable, which many if not most of us in the long-term care insurance industry have understood since the program's inception.

Deep breath. It's over. Now, let's return to selling Partnership plans through employers to cover people FAST. Partnership plans are in most states already and I can tell you with firsthand experience that the security of the asset protection DOES make a difference in marketing and selling worksite cases.

Want to learn now? Order my 6 CD series "Getting Back in the LTCI Game" to update yourself on this crucial product in every area - from my annual State of the LTCI Industry speech to worksite, combo products, and internet selling. How to use the Partnership to increase sales is woven throughout each session and is an integral part of almost everything I am doing today. FYI, this is MY answer to the debt ceiling. Instead of having an annual meeting in Nashville that requires you to pay travel expenses and me to hire a band, I did six one-hour live webinars that are now recorded for all to use and INCREASE SALES!!

Click here to read the detailed description of each session and order today...but only if you want the BEST overview of the LTCI market in six hours available ANYWHERE.


LTC Consultants provides long-term care insurance training to agents and educates consumers with information about long term care insurance. This website contains reports and articles about caregiving, assisted living, nursing homes, aging, senior living and elder care, home health care and other long-term care related articles. Order Phyllis Shelton’s Protecting Your Family with Long-Term Care Insurance with articles about whether or not to self-insure or buy combo life insurance and annuity policies or a traditional LTC insurance plan. The book also contains ideas for people who don't qualify for LTC insurance such as Medicaid, life settlements, reverse mortgages, critical illness and also contains in-depth information about Medicare, Medicare Advantage and Medicare Supplements.


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