Note: References to laws and regulations are noted after each quote. Other references to publications, internet addresses, etc., are also found after the quote.
“Life and Health Insurance”
Black and Skipper
13th Edition, Prentice Hall
J. K. Lasser’s “Choosing 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, 2006”
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
NAIC Long Term Care Insurance Model Bill (as indicated in text)
“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
Plan Your Estate
Dennis Clifford & Cora Jordan
Nolo Publishing 2002
California Long Term Care, 2004 LTC
WebCE.Com
Plus many Internet sites contacted for various information for this text.
Federal Medicaid Regulations searched as indicated in text.