Network News & Publications

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TO OPT-OUT OR NOT TO OPT-OUT: THAT IS THE QUESTION

The California Long Term Care Insurance Task Force has been charged with “exploring the feasibility of developing and implementing a culturally competent statewide insurance program for long-term care services and supports.”

Louis H. Brownstone

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LTC Bullet: Kill or Cure WA Cares

Maybe we’re not under attack by a militaristic, authoritarian, collectivistic rogue state as we were 80 years ago today. But ideological assaults on traditional American values like freedom and individualism are stronger than ever. It seems like most analysts and policy makers have abandoned free market principles and given up on private long-term care insurance.

Steven D. Forman, LTC Associates

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Author(s)

LTC Bullet: The WA Cares Fund Gets a Bad Wrap

LTC BULLET: THE WA CARES FUND GETS A BAD WRAP

LTC Comment: Referring to a program that now calls itself the WA Cares Fund I asked last October “What happens when the Keystone Kops design a long-term care insurance plan?”

Steven D. Forman, LTC Associates

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It Is About The Problem, Not The Product!

For many of us, the purchase of our homes and the financing of our children’s college education will constitute the largest expenditures of our lives. In both of these cases, we typically use financial leverage,
i.e., debt, to attain these objectives.

Don Levin & Kevin Sypniewski

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The Art Of Achieving Balance

While we all know there is no such thing as a unicorn, that does not stop us from writing stories, creating cartoons, and other fairy tales about them.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Growing Through The Pandemic

There is no doubt that we are in an incredibly unique, “once in a lifetime (if not century)” environment as COVID-19 continues to ravage our country, causing nearly 200,000 deaths at the time of this writing.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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But I Don’t Want To Go To A Nursing Home

In the 1990s, when I began my career in the long term care insurance industry, the average age of our client was 68 years old.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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What’s In Your Wallet: The Impact Of Covid-19 On Retirement And Estate Planning

Trapped at home, trying to remember what day it is, finishing the “must-do’s” for work and for the family, has prompted many people to become short-term focused.

Don Levin & Claude Thau

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The New Now.

Last week I wrote about the New Normal that has been inflicted on all of us as we deal with the Coronavirus as a global pandemic. Quite a bit has changed in a week.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Taking Care Of Business In The New Normal

How To Position Long Term Care Insurance During The Pandemic

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Up The Creek Without A Paddle: Working With Clients Experiencing In Force Rate Actions

It was the Spring of 2006 and I was participating in a senior sales leader meeting in Richmond, VA, when the president of Genworth’s long term care division announced that we would be raising rates...

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Curiosity, The Cat, And You

We all grew up hearing the proverb that “Curiosity killed the cat.” If we were to pause and reflect on what the underlying message of this proverb of fairly-recent origin is intended to communicate, it is simply to warn of the dangers of unnecessary investigation or experimentation

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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The Recipe For The Secret Sauce Of Success Begins With More Than A Dash Of Discipline

As I begin a new chapter in my professional life in the long term care industry, attempting to recruit both veteran and new producers to offer all forms of long term care insurance protection, it is with a bit of nostalgia that I look back on what attracted me to the career back in the day.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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To Be Or Not To Be…That Is The Question

Avoiding the tragedy of long-term care

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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The Long Term Care Industry And The Law Of Diffusion

Much has been written about the various generations and their buying and spending habits. From the Greatest Generation and their children, the Baby Boomers, to the Gen-Xers, the younger Gen-Yers on down to the ever growing influential force known as the Millennials

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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LTC Panel Discussion

What is your outlook for the stand-alone LTCI market? In what market segments are you seeing sales activity and/ or optimism?

Don Levin, Angie Hughes, Jim Glickman & Claud Thau

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Dance Like Nobody’s Watching The New Approach To Marketing Long Term Care

Many of our colleagues have recently expressed great concern over the current state of the long term care industry. Nevertheless, recognizing ample but unfulfilled opportunity beckoning just over
the horizon, they envision a golden future for us—if we embrace a necessary change in approach.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Let’s Go Fly A Kite

I was at the park the other day with a couple of my grandchildren and marveled that kids today still enjoy flying a kite. I no sooner had that thought and found myself recalling images of my own kite-flying as
a child, when a couple of teenagers entered the park with their sleek, shiny, and noisy drone.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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The Eye of the Storm

Like the ocean waves, our business, long term care insurance, is about repetition. It is about calling, seeing, and helping people. Whether it is knee-to-knee or virtually via the web and telephone, as Don
Corleone once uttered, “This is the business we have chosen for ourselves.”

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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The One That You Feed

As I contemplate the often tumultuous and topsy-turvy long term care industry of 2018, I am reminded of how much it remains unchanged from the industry that I entered nearly twenty years ago.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Happily Ever After: Long Term Care Insurance And Asset Protection

Once upon a time, there was a fairy princess who lived in a very large and beautiful castle that her loving and devoted father, the King, had constructed for her and his large extended family.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Failing To Plan: Long Term Care Insurance And The Estate Plan

Benjamin Franklin, the venerable inventor, statesman and intrepid leader, once said, “If you fail to plan, you are planning to fail!”

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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A Connecticut Yankee In King Arthur’s Court

(Mark Twain on the state of the Long Term Care Insurance Industry.)

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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The Casual Producer

Last week I received a host of congratulatory LinkedIn messages on my first “anniversary” as an MGA.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Life Is Like Underwear: Change Is Good!

A very common thing to do in the face of adversity or even the simplest forms of change is to regress and fall into the lament “remember the old days when…”

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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Author(s)

The LTC Insurance Industry Asks: Where Have You Gone Joe DiMaggio?

For those who don’t know who Joe DiMaggio was before he was the spokesman for Mr. Coffee, Joe D. was nicknamed “Joltin’ Joe” and “The Yankee Clipper,” and played his entire 13-year Major League Baseball career for the New York Yankees.

DON LEVIN, JD, MPA, CLF, CSA, LTCP, CLTC

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