How to Use This Website

LTCShop.com is designed for consumers seeking to learn more about long-term care insurance.  On the right-side of the page you will see “LTCI DICTIONARY” with a drop-down list of long-term care insurance terms.  Some terms will have definitions only, and...

What is Long-Term Care?

What is long-term care? Long-term care includes a variety of services that may be both medically and/or non-medically necessary for people with a chronic illness or disability.  Health and personal needs are met through long-term care.  Generally speaking, long-term...

A “Perfect” Long-Term Care Policy?

If you could design “perfect” long-term care policy for yourself, what would it look like? I recently asked someone this question and she said: “It should have premiums that are guaranteed to never go up.  It should be able to return most, if not...

New York Long Term Care Trust Act Exemption

New York Long Term Care Trust Act Exemption The New York Long Term Care Trust Act exemption will happen only once. Only those people who maintain private long term care insurance coverage on an uninterrupted basis beginning no later than January first of the year in...

New York Long Term Care Trust Act Opt Out

New York Long Term Care Trust Act Opt Out Senate Bill S9082 establishes the New York Long Term Care Trust Program allowing for the New York Long Term Care Trust Act opt out only once. This bill will establish the New York Long Term Care Trust Program to provide long...

What is the New York Long Term Care Trust Act?

What is the New York Long Term Care Trust Act? Senate Bill S9082 enacts the “New York Long Term Care Trust Act” and establishes the New York Long Term Care Trust Program. As an insurance agent who specializes in long-term care insurance, I support the New York Long...

New York Long Term Care Trust Act

New York Long Term Care Trust Act New York Long Term Care Trust Act Otherwise known as, Senate Bill S9082, enacts the “New York Long Term Care Trust Act” and establishes the New York Long Term Care Trust Program. This bill will establish the New York Long...

Federal Judge Upholds Washington Cares Fund

Federal Judge Upholds Washington Cares Fund A federal judge, on Monday, upheld the right of the state of Washington to continue the Washington Cares Fund (also known as the Washington Long-Term Care Trust Act or Long-Term Services and Supports Trust Program). Last...

My Long-Term Care Story: Part 5

My Long-Term Care Story: Part 5 No one said that caregiving was easy. Yet, after talking with hundreds of clients, most everyone assumes and expects to receive care in their home. And I absolutely agree that remaining at home is ideal; it’s ideal for the person...

My Long-Term Care Story: Part 4

My Long-Term Care Story: Part 4 My mother moved into our home on September 15, 2020, and life settled into our new normal. Her long-term care insurance policy allowed us to make the necessary home modifications to keep her safe. The home modifications were part of the...

My Long-Term Care Story: Part 3

My Long-Term Care Story: Part 3 To continue My Story about long-term care insurance and what it means to me, I need to explain how COVID changed everything. Specifically, how the “alternate plan of care” in the long-term care insurance policy made all the difference...

How can I opt out of the Washington Cares Fund?

How can I opt out of the Washington Cares Fund? There are 5 steps you have to take in order to opt out (and stay out) of the Washington Cares Fund payroll deduction. Step 1: You must purchase LTCi before November 1st, 2021 If you don’t yet own long-term care...