Public-Private Partnership Solution to Help Solve State Budget Crisis

(How to Make Medicaid Payer of Last Resort for Long-Term Care)

Twenty states are suing the Federal government over the Medicaid expansion and that is unprecedented. Medicaid is projected to consume more than a third of state budgets in 20 years, and the driver of that growth is long-term care.

With 34 years of experience in all phases of health care financing, Phyllis Shelton has a solution that will take the burden off state budgets if we act now to educate employers to offer public-private partnership plans to all employees that will pay for long-term care. Over 40 states have these plans in place which ensure that the private sector pays first for long-term care and Medicaid pays last, but they don’t have the resources to get the word out.

Phyllis Shelton believes the power of the media can make this happen by educating employers to take the lead in offering this program and educating employees to ask their employers to offer it. She can customize each interview for local stations with the local impact of state budget cuts, as states struggle to fund the escalating Medicaid costs. She will also discuss the national implications so that listeners will understand the action employers can take that costs nothing to help solve the state budget crisis. She is doing her part as a national trainer and motivational speaker by conducting a seven city tour to teach insurance professionals how to help employers offer these plans easily. She can do this because she has spent the last five years perfecting a process that convinces 25 year old employees to participate in an employer-sponsored Partnership long-term care insurance plan.

It is in the vital self-interest of your audience to know these options as so many Americans are dealing with caregiving today and want to know what to do so their children won’t have the same burden. Planning for long-term care is perceived as a confusing topic, but with her background, Phyllis Shelton can simply and with clarity present the public-private partnership option to your audience in a way that they will identify with the issue and understand the solution. Here is her invitation to you to use her expertise to create a compelling experience for your audience, loaded with practical information.


• Medicaid is destroying state budgets like a computer virus. 

• States are cutting jobs and critical services like education to pay for Medicaid. 

• The biggest driver of Medicaid growth is long-term care. 

• 80 million baby boomers are poised to hit Medicaid for long-term care as 95% have no
   coverage for long-term care. 

• Health care reform is adding 16 million more adults to Medicaid starting January, 2014.

Solution : A public-private partnership in available in over 40 states TODAY that allows private
   sector dollars to pay first and Medicaid to pay last, which will take the burden off state budgets.

For more talking points click here.



| Large



| Large



Phyllis Shelton is the President of LTC Consultants, a Nashville-based company that she founded in 1991 specializing in long-term care insurance sales training, consumer education and marketing materials. She is widely considered to be the leading long-term care insurance sales trainer in the country. Phyllis' organization has trained nearly 75,000 agents via live or web-based training and her company has conducted training programs for many of the top LTCI insurance carriers. Her business model has also included assisting states with an educational outreach about the Long-Term Care Partnership, a new program that shelters assets from Medicaid spend down equal to the benefits paid by Partnership long-term care insurance policies.

Her online training venture,, was developed to meet the mandated NAIC/DRA Partnership producer training requirements in all states.

Phyllis is featured as the cover story for the November 2013 issue of Life Insurance Selling. She was profiled in Senior Market Advisor's charter group of the top ten professionals in the long-term care insurance industry nationally and has spoken to literally every major industry group including MDRT's Top of the Table, NAIFA 2010, and MDRT 2013. She received the distinguished LIFE Foundation Client Service Award and her full page client story was featured in the September 14, 2009 edition of Newsweek magazine. She appeared in The Balancing Act, Lifetime Network's early morning show for women, on July 14, 2010 to emphasize the impact of long-term care on women.

She has been featured extensively in the Wall St. Journal and appeared in a two-hour PBS documentary on caregiving. She has presented on Wall St. as well as CNNfn and National Public Radio. She is a consumer reference for such publications as Kiplinger's Personal Finance Magazine and her interviews include USA Today, Business Week, Consumer Reports, Money, Smart Money, Bloomberg Wealth Manager and National Public Radio. Her consumer book, LONG-TERM CARE: Your Financial Planning Guide became an industry textbook.

Her newest consumer book, Protecting Your Family with Long-Term Care Insurance (2013) provides cutting edge information about all phases of financing long-term care. Suze Orman says "Long-term care insurance for many is the most important insurance you can buy if you can afford it. Phyllis Shelton is the only person I trust to keep me up to date on what I need to know. Read this book." You can also see Phyllis recommended by Suze in the January 2012 and 2013 issues of Oprah magazine.

Phyllis Shelton's LTCI Worksite TOOLBOX cracks the code on how to engage younger employees in the long-term care planning process, and The ABC's of Long-Term Care Insurance makes LTC insurance so simple a child can understand it.

While sharing the main platform at the annual NAILBA conference with former U.S. Senator Bob Dole, she was introduced as "the most prolific speaker/trainer in the long-term care insurance marketplace."

Ms. Shelton sees Medicaid as the largest threat to the American economy. She speaks nationally on the role of long-term care insurance as part of the private sector's solution by making Medicaid payer of last resort for long-term care, which will save jobs by rescuing state budgets and keep families together by providing caregivers when most needed.

Phyllis' passion for the long-term care industry is unparalleled. Her motivational message has been delivered to over 8,000,000 Americans.




| Large



| Large



“What’s the greatest risk in your financial plan? We’ve seen how a stock market crash can devastate retirement plans. But the greatest risk is not the longevity of this bear market, or even another bear market. It’s the devastating cost of long-term care.” 

TERRY SAVAGE, Chicago Sun-Times Financial Columnist
The New Savage Number: How Much Money Do You REALLY Need to Retire?
John Wiley & Sons, Inc., 2009, p. 218

“There’s one more aspect of the medical-insurance story that is almost totally off the typical radar screen. This one involves long-term care. With the baby-boom generation heading toward retirement and their parents already there, this is a huge issue….I know the response:  Doesn’t Medicaid pay…this question is often asked by Boomers who figure their parents will be covered, as they will when their time comes to book some long-term care. Here’s the answer:  Medicaid was never meant to be a long-term care provider.  And as Senator John Breaux and Representative William Thomas have pointed out, ‘The growing demand for long-term care is pushing Medicaid into bankruptcy.'" 

Why We Want You to Be Rich

Donald J. Trump with Meredith McIver, Robert T. Kiyosaki with Sharon Lechter,
Rich Press, 2006, pp. 36-37


Lawrence Vivenzio
Phone: (615) 590-0300


Incentive for Americans to participate: They have access to Medicaid if insurance isn’t enough without spending
   down most of their assets; consumers keep choice and independence as private-pay patients. 

Proven results: In the four pilot states, less than 500 out of 325,000 policyholders since the early 1990’s have had
   to access Medicaid because their policy benefits weren’t enough. 

Method to make it work fast enough: Media participation to encourage employers to offer so most Americans
   can enroll with little or no underwriting at lower premiums. 

Phyllis Shelton’s response: A seven city tour to empower insurance professionals to meet the national need of
   making Medicaid payer of last resort for long-term care. 

Method: She will teach insurance professionals how to get younger people to plan ahead by buying long-term care
   insurance at work and older people to use the January 1, 2010 tax incentive to allow gains from annuities to come
   out tax-free if spent on long-term care. 


• A tidal wave of caregiving is about to hit U.S. employers as the fastest growing segment of the workforce is age 55
   and up, employees who are in their prime caregiving years. 

• Two-thirds of caregivers are women. 

• Women who have killed themselves getting the career they have dreamed of stand to lose it if they become a
   caregiver and they don’t have enough money to hire help. At $70,000 a year for 10-12 hour shifts of home care,
   who does have enough money? That number could triple in the next 20 years based on historical inflation of care
   costs plus the caregiver shortage combined with demand of the baby boomers. 

• Women make up 47% of the workforce in this country. What will happen to national productivity when millions
   become caregivers? And some will be care recipients.

Click here to see how this is affecting your state.

E-mail this page