How to protect your income from a Medicaid and Long-Term Care Event Part 4 in series by Les Robinson

The ABC's of Insurance Present: How to protect your money from a Medicaid and Long-Term Care Event Part 4 in TV series Hosted by Les Robinson
By: Les Robinson CLTC
Les Robinson host of the ABC's of Insurance
Les Robinson host of the ABC's of Insurance
AMHERST, N.Y. - Jan. 22, 2019 - PRLog -- Part 4 What is Long Term Care Insurance

TV series: Air Date January 28, 2019

What is Long-Term Care (LTC) Insurance

Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 40 or with a chronic or disabling condition that needs constant supervision.

Upcoming TV show

Part 5 Different between traditional Long-Term Care and Hybrid Long Term Care Insurance

Part 6 Why plan now for a Long-Term Care Event

Part 7 What happen if I wait too long to plan for my Long-Term Care Event

Part 8 Why Homeowners Insurance is very important in my Home Care Plan

Part 9 Cost of Care out of State

Part 10 How to travel when needing care

The ABC's of Insurance: Hosted by Les Robinson CLTC and creator of LesLTC process to protect your money from a Medicaid and Long-Term Care Event

So, if long term care insurance is something that makes sense to include in your financial strategy, where do you start?


·  Depend on Family and Friends

·  Self-Insure

·  Buy Insurance

Activities of Daily Living (ADLs)


* Dressing

* Toilet

* Transferring


* Eating

Other common LTC services and supports are assistance with everyday tasks,

§  Housework

§  Managing money

§  Taking medication

§  Preparing and cleaning up after meals

§  Shopping for groceries or clothes

§  Using the telephone or other communication devices

§  Caring for pets

§  Responding to emergency alerts such as fire alarms

For the elderly the need for long-term care is probably the most catastrophic unexpected event that could happen. This is because the need for long-term care typically removes any level of security an elderly person may have with the three major lifestyle concerns mentioned above.

With the need for long-term care the older person:

1.    Loses independence

2.    Has experienced a loss of good health

3.    Uses up remaining assets and income

No other late-life event can be as devastating to the lifestyle the elderly are so concerned about maintaining. No wonder many elderly care recipients withdraw, become angry and suffer from severe depression.

If we are asking people from my seminar what his or her most important concerns are we would probably get a variety of different answers. But according to surveys frequently conducted among the elderly, the most likely answers we would receive would include the following three principal concerns.

1.    Remaining independent in the home without intervention from others.

2.    Maintaining good health and receiving adequate health care.

3.    Having enough money for everyday needs and not outliving assets and income

The award winning "The ABC's of Insurance" has a new channel and time

The channel is 1301 on Spectrum Cable in Western New York

The time is Mondays at 12:30 pm

The award winning "The ABC's of Insurance" has been on TV since November of 1997.  The TV show has been designed to be educational on insurance topics.  Helping people to understand insurance and to ask the correct questions.

The show has done a variety of different topics including

·         Home Insurance

·         Auto Insurance

·         Boat Insurance

·         Long Term Care Insurance

·         A Real Estate series

·         A Health series

·         A Long-Term Care series

·         Prevent your money going to Medicaid

·         Life Insurance

·         Long Term Care Insurance

·         Plus, many more TV shows

Go to  to see a list of past TV shows

Upcoming TV shows of 2019

·         How to Protect your money from Medicaid and LTC event

·         Fall Prevention

·         Cost of Care in South Carolina

·         Traveling with LTC event

·         Common Mistakes

If you have a topic you want to see on "The ABC's of Insurance" email Les at and in the subject line put TV show topic ideas

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