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Get Long-Term Care Protection Now; Don't Wait for Health Reform, Industry Leader Advises
Date:6/29/2009

Denise Gott Gives Five Reasons for Immediate Action

KIRKLAND, Wash., June 29 /PRNewswire/ -- If and when Congress passes health reform legislation, it may or may not include a public option for long-term care, the assistance with daily living required by millions suffering from long-lasting illnesses or disabilities. If you're in the market for long-term care insurance, should you wait and see what materializes? Denise Gott says no; there's too much to lose and little to gain. Gott is Chairman of the Board of LTC Financial Partners LLC (LTCFP) -- http://www.ltcfp.com -- one of the nation's largest and most experienced long-term care insurance agencies.

*(PHOTO 72dpi: www.Send2Press.com/mediaboom/09-0609-DeniseGott_72dpi.jpg)

*(Photo Caption: LTC Financial Board Chairman Denise Gott.)

Gott gives five reasons for securing long-term care insurance without delay:

1. A public option, if it materializes, will not replace the need for private long-term care insurance for most people who now seek it. Senator Edward Kennedy (D-MA) and Representatives Frank Pallone (D-NJ) and John Dingell (D-MI) have introduced the Community Living Assistance Services and Supports (CLASS) Act of 2009, which would create a public insurance program for adults who become functionally disabled. "But this would pay only $50 or so a day in benefits, while a typical long-term care policy pays $150 to $250 or more," Gott says. "The public option might offer some relief for low-income people who could not otherwise afford insurance, but it would be no substitute for the substantial funds required for complete care." Besides, Gott points out, there is no guarantee a public LTC option will make it into law. "Ev
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SOURCE LTC Financial Partners LLC
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