REFERENCES

 

The Health Insurance Portability and Accountability Act (HIPAA), Overview & Analysis

            Novinka Publishers, 2004

H.R. Chaikind, J. Hearne, B. Lyke, S. Redhead, J. Stone, C. Franco & G.M.Stevens

 

The Health Insurance Portability and Accountability Act of 1996, (PL 104-101) (42 USC §1320d)

            Internal Revenue Service

 

The Health Insurance Primer

            America’s Health Insurance Plans

            John Boni, Elizabeth Denning, Marilyn Finley, Terry Lowe & Bernard Peskowitz

 

Disability Income Insurance

            Dearborn Financial Services

            Allan B. Checkoway and Harry J, Lew

 

Personal Finance Planning Guide

            John Wiley and Sons, Publishers

            Ernst and Young

 

Principles of Insurance Production

            Insurance Institute of America

            Kensicki, Smith, Marshall, Waranch, Close

 

The New Life Insurance Investment Advisor

            Irwin, McGraw Hill

            Ben G. Baldwin

 

How to Insure Against Your Income

            Merritt Editors

            Silver Lake

 

Balancing Security and Opportunity; The Challenge of Disability Income Policy

            Jerry Mashaw

            Virginia Reno

 

Disability Income, the Sale, the Product, the Market

            National Underwriter Co.

            Jeff Sadler

 

Disability Income and Health Insurance, 2d Ed.

            National Underwriter Co.

            Price Gaines

 

Occupational Classifications, Health and Life Insurance

            Colonial Life and Health Insurance Co.

 

Life Insurance Selling

            Evaluating for a High Quality Disability Plan, by Brian Hayes

            A Producers Guide to Individual Disability Income Insurance, 2002

            Prospecting for Supplemental Disability Income Ins., by Dennis Mullin

            Resources at Claims Time, by John O’Hara and Craig Seminara

            Various compilations of articles re. Disability Income insurance, 2001 and 2002.

 

Medicare & You, 2005&Medicare & You, 2006

            US Govt. Printing Office

            Department of Health and Human Services, Centers for Medicare & Medicaid Services

 

Life and Health Insurance

            Black and Skipper

            13th Edition, Prentice Hall

 

J. K. Lasser’sChoosing the Right long-Term Care Insurance

            Benjamin Lipson

            John Wiley and Sons

 

Long Term Care Insurance Made Simple

            Les Abromovits

            Health Information Press

 

Long Term Care: A Growing Market

            AMC Publishing Company

 

The Ernst & Young Tax Guide, 2004

            Wiley Publishing Co.

 

Wall Street’s View of Nursing Facilities

            The Center for Medicare and Medicaid Services (CMS)

            Nursing Facilities

            U.S. Govt. May 20, 2003

 

Do You Need Long-term-care Insurance

            Consumer Reports, Nov. 2003

 

Indiana Long Term Care Program Statute

            Indiana Administrative Code 760-2-1

 

Bush’s Unheralded Health Care Agenda

            Merrill Matthews

            The Weekly Standard 12/27/04

 

Insurance Code Section 790-790-15 State of Florida

 

The Financial Strain of Aging – Long-Term Care

            Lothar Vasholz, CLU, ChFC, LLIF

            Life Insurance Selling, Aug. 1997

 

Senior Markets

            Continuing Education Course 359

            Clearwater Insurance School

 

Long Term Care Insurance Seminar

            Benefit Services

            Reistertown, MD

 

The Pie in the Sky, Targeting the Group LTC Client

            Christine McCullugh

            Life Insurance Selling, 7/3/2004

 

Dictionary of Insurance Terms

            Harry W. Rubin, Ph.D., CLU, CPCU

            Barron’s Business Guides

 

Black’s Law Dictionary

            West Publishing Co.

 

Producers Guide to Long-Term Care, 2004

            Life Insurance Selling, Dec. 2004

 

Sample Policies and Rates from several Long-Term Care Insurance Carriers,

            Including Penn Treaty and GE Capital

 

The Consumers Guide to Long-Term Care Insurance

            Stephan R. Rasoley

            First Books Library

 

Understanding Long-Term Care Insurance

            Jeff Sadler

            HRD Press

 

Long-term Care Insurance, How to make decisions that are right for you

            Dr. Penelope S. Tzougros, ChFC, CLU

            Wealthy Choices

 

The Legal Environment of Risk Management and Insurance”

Mallor, Barnes, Bowers, Phillips, Langvardt

            McGraw Hill

 

NAIC Shopper's Guide

National Association of Insurance Commissioners, 1998

 

Expanded Damages in Elder Abuse Cases

American Bar Association Journal, Jan 1998, P. 39

 

Report, Findings, and Recommendations of the Working Group on Long-Term Care.

U.S. Dept. of Labor, Advisory Council on Employee Welfare & Pension Benefits.

            November 14, 2000

 

Who buys long-Term Care Insurance in 2000?

            Life Plans, Prepared for HIAA, October 2000

 

Long-Term Care Premiums Vary Widely: Policies Too Complex

Weiss Ratings, June 4, 2001

 

Internal Revenue Publication 502 (Medical & Dental Expenses)

 

Internal Revenue Publication 969

http://www.irs.gov/publications/p969/ar02.html