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SPA-LTC (Strengthening A Palliative Approach In Long Term Care)

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Preparing For Tomorrow podcastPreparing For Tomorrow podcastHighlights from 2025 Sustainable Solutions: Future of LTC FinancingThis week, Diane shares what she learned while attending the 2025 Genworth LTC Symposium "Sustainable Solutions:  The Future of Long Term Care Financing". We all agree on the problem and wonder how long it will take for all parties (public & private) to agree on a solution. The links below provide info on who is supporting the Well-Being Insurance for Seniors to be at Home (WISH) Act. Please reach out to your Congressmen/women and ask then to support this Act as it will help our most vulnerable population while fostering a more vibrant and affordable LTC insurance solution. Schedule with me t...2025-05-1512 minLong Term What? PodcastLong Term What? PodcastWhat is Adult Day Care?🚀 Adult daycare is a win-win: caregivers get a well-deserved break while loved ones leave the house for needed engagement, plus a cameo from Chuck Norris! 🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/adult-daycare ﹩Find the cost of adult day care in your area: https://www.carescout.com/cost-of-care ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets l...2025-05-1004 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastGuest interview: Mike Simenstad with NGL - How LTC plans and planning has evolvedThis week, I interviewed Mike Simenstad, an LTC veteran with 34 years of experience working for several LTC carriers and distributors.  He currently works for National Guardian Life (NGL), a traditonal LTC company across the United States. Mike, and others in his role help me and other LTC specialists to be able to work smarter for our clients.  We all work together as a team to find the best solution for each family. Mike answers questions about tools/resources consumers use to research and why that can  get confusing.   We discuss actions people are taking today to plan, and we discuss how t...2025-05-0117 minLong Term What? PodcastLong Term What? PodcastWhat is Assisted Living?🚀 Assisted living strikes a balance between independent living and long-term care. Learn what it includes, what it costs, and how safari guides and bananas fit in. 🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/assisted-living ﹩Find the cost of assisted living in your area: https://www.carescout.com/cost-of-care ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets l...2025-04-3006 minLong Term What? PodcastLong Term What? PodcastWhat is Memory Care?🚀 Learn why memory care is the financial wild card of long-term care planning — it’s unpredictable, expensive, and often lasts much longer than other types of care. Plus, discover a surprising connection between UNO and doing the dishes. 🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/memory-care ⏱️ Timestamps: 0:00 Intro 1:38 What is it? 1:52 Odds 2:38 Home care 2:54 Family caregivers 4:03 Facilities 4:44 Cos...2025-04-3007 minLong Term What? PodcastLong Term What? PodcastWhat is Home Care?🚀 Learn about home care—a popular long-term care option—including the pros and cons of who provides it and for how long, plus cameos from Maria Shriver and Dorothy from The Wizard of Oz!   🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/home-care   💬 Check out the Caregiver Subreddit: https://www.reddit.com/r/CaregiverSupport   ﹩Find the cost of home care in your area: https://www.carescout.com/cost-of-care   ❤️ Our Why: Long-term care (LTC) and caregiving are over...2025-04-2507 minThe Priority of RetirementThe Priority of RetirementRaymond Lavine: From Combat to Care—Lessons in LTC Planning and Financial StrategyAbout Raymond Lavine: Raymond Lavine is a seasoned advocate and expert in Long-Term Care (LTC) insurance and the principal at Lavine LTC Benefits. Drawing from personal family experiences and decades of industry insight, he is passionate about helping individuals prepare for future care needs. A decorated U.S. Army veteran, Raymond served with distinction in the 82nd Airborne and 173rd Airborne Brigade in Vietnam, where he earned the Bronze Star and Purple Heart. His military background instilled in him a deep sense of empathy and a mission-driven approach to serving others through financial planning and LTC advocacy.2025-04-2229 minLong Term What? PodcastLong Term What? PodcastWhat Is a Nursing Home?🚀 Nursing homes are crazy expensive—almost twice as much as an Ivy League school. Fortunately, most people don’t stay in them very long. In this video, we break down the odds, the costs, what they’re like—and a cameo from Will Ferrell. 🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/nursing-home ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets little attention due to reluctance arou...2025-04-1805 minLong Term What? PodcastLong Term What? PodcastWhat is Hospice?🚀 Learn about hospice, a service that provides support and care during the final months of life—plus cameos from Matthew McConaughey and MercyMe. 🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/hospice ▶️ Watch ALL the videos in our Care playlist: https://bit.ly/4hQ5UyI ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets little attention due to reluctanc...2025-04-1106 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareCreating meaningful spaces and experiences: a conversation with Laurel Pizarro and Helen Stoakes of Grand View Manor"It's about looking at the finer things...  preferences in their meals, and giving families special spaces to be together with their loved ones in those final moments ...  ensuring we meet the needs of each individual resident."Grand View Manor is a long-term care and assisted living facility located in Berwick, in Nova Scotia's Annapolis Valley. Laurel Pizarro is a registered nurse and the Director of Care at Grand View Manor with over 10 years experience in geriatric care and a passion for making a meaningful impact in long-term care.Helen Stoakes is a registered nur...2025-04-0716 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareWhat is delirium? A conversation with members of SPA-LTC's Partner Working Group"It's kind of an altered state of consciousness where they are just not themselves. Dealing with my dad, sometimes it comes across as delusions and paranoia, it's this otherness, it is not him. It's a body response or a mind's response to these things that they can't handle." - Marlene MoormanDelirium is frightening for both the affected person and their loved ones. It can be caused by many factors and is often characterized by confusion and behavioural changes.We spoke about delirium and dementia with Pam Holliday, Margaret Keatings and Marlene Moorman, members of...2025-04-0616 minLong Term What? PodcastLong Term What? PodcastWhat is a CCRC?🚀 Learn about CCRCs, or Continuing Care Retirement Communities, who are the Avengers of LTC because they combine the superpowers of multiple types of care—plus cameos from Cookie Monster and a ghost. 🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/ccrc 🚌 Read the post about our CCRC field trip: https://www.longtermwhat.com/visit-wind-crest-ccrc ▶️ Watch ALL the videos in our Care playlist: https://bit.ly/4hQ5UyI ...2025-04-0407 minPreparing For Tomorrow podcastPreparing For Tomorrow podcast30 years of retirement needs 30 years of LTC protectionWe and our financial advisors are preparing to need money to last 30 plus years in retirement, yet we don't trust LTC insurance companies to help protect us during that time. If we think we're going to live that long, do we really believe we will remain as strong, healthy and active as we are today?  Look at our parents and grandparents. Humans slow down as we age.  Dementia is showing up in our 60s.  People are having strokes in their 50s due to stress. We need to be prepared. LTC insurance is strictly regulated by the NAIC (National Association of Ins...2025-04-0310 minLong Term What? PodcastLong Term What? PodcastHaving ”The Talk” About Long-Term Care🚀 "The Talk" is the important and super awkward conversation between adult children and aging parents about long-term care. Learn how to have The Talk—plus enjoy cameos from Aging Parent, Rob Lowe, Maria Shriver, and more. 🔗 Read the full blog post for all the links and tips: https://www.longtermwhat.com/having-talk-long-term-care ▶️ Watch ALL the videos in our Care playlist: https://bit.ly/4hQ5UyI ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despit...2025-03-2808 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastDon't do these things until after you've considered LTC insurance optionsI wanted to title this episode "Stable & Controlled" because that's what LTC health underwriters look for in every applicant's medical history. Today, I share several things not to do until after you've applied and been approved for some form of LTC insurance. We don't need to be in perfect health, but we need to be aware of red flags that the insurance companies will view as an unacceptable risk. Listen and learn what not to do until both you and the insurance company of your choice have made decisions and coverage is in place. Schedule with me to design your...2025-03-2711 minLong Term What? PodcastLong Term What? PodcastMedicare and MedicAID in Long-Term Care🚀 Learn how Medicare and MedicAID, the poorly-named twins, don't provide much support for LTC—plus an elephant on set and a cameo from Tony Soprano. 🔗 Read the full blog post for more information: https://www.longtermwhat.com/medicare-medicaid-long-term-care ▶️ Watch ALL the videos in our Care playlist: https://bit.ly/4hQ5UyI ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets little attention due to reluctance ar...2025-03-2104 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCase Study: Is age 79 too late to buy LTC insurance?I was introduced to a couple ages 79 and 72 who thought it might be too late to plan for LTC protection. Thankfully, companies that offer LTC coverage continue to create new ways to plan and help older Americans protect their loved ones when an extended care need shows up. If you think you may have waited too long, you might be surprized at what is available today. Schedule a meeting to learn more Estimate LTC insurance premiums (These are not the plan I'm sharing today) Check out current and projected costs of care where you live Schedule a quick question Learn...2025-03-2011 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareMusic Therapy in Palliative Care: a conversation with Sheila Killoran"There's kind of a magical quality with music, a healing or a support really that comes from the music. As long as people have been around, we have been making music and it really does connect with us on an emotional level." - Sheila KilloranSheila Killoran is the Education Lead for the Covenant Health Palliative Institute. She is a certified music therapist and holds a Master's in Creative Arts Therapies with an interest in guided imagery and grief. Sheila teaches at the University of Alberta and the University of Saskatchewan, and has provided music therapy for...2025-03-1819 minLong Term What? PodcastLong Term What? PodcastCosts of Long-Term Care🚀 Learn the current and projected costs of long-term care, including home care, assisted living, memory care, and nursing homes—plus a few appearances from ostriches and Biff from Back to the Future II. 🔗 Read the full blog post for sources, updated stats, and more: https://www.longtermwhat.com/costs-long-term-care 💲 Find the current costs of long-term care in your city: https://www.carescout.com/cost-of-care ▶️ Watch ALL the videos in our Care playlist: https://bit.ly...2025-03-1502 minLong Term What? PodcastLong Term What? PodcastWhat is Long-Term Care?🚀 Take a deeper dive into what defines long-term care, like activities of daily living—plus an appearance from Sam "Mayday" Malone. 🔗 Read the full blog post for sources, updated stats, and more: https://www.longtermwhat.com/what-is-long-term-care ▶️ Watch ALL the videos in our Care playlist: https://bit.ly/4hQ5UyI ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets little attention due to reluctance aroun...2025-03-0703 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastQuestion 8 - How long will I need to pay my LTC premiums?Would you rather pay $145,000 or $245,000 in total premiums to have $1,300,000 in long term care benefits at age 85? When we pay our premiums over a shorter number of years, we almost always pay less than if we pay a smaller rate for the rest of our lives. It's important to understand the big picture of both physical and financial health when designing a plan. If I don't ask questions, I won't know if there is a way to pay $100,000 less for the same benefits. Estimate recurring LTC premiums Schedule 15 minutes to ask a question Learn how much income and assets your...2025-03-0611 minLong Term What? PodcastLong Term What? PodcastOdds of Long-Term Care🚀 A whopping 70% of seniors will need long-term care. Discover who will most likely need long-term care, reasons why, and for how long. Plus some cute cat videos. 🔗 Read the full blog post for sources, updated stats, and more: https://www.longtermwhat.com/odds-needing-long-term-care-stats ▶️ Watch ALL the videos in our Care playlist: https://bit.ly/4hQ5UyI ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets lit...2025-02-2805 minLong Term What? PodcastLong Term What? PodcastLong-Term Care Overview🚀 Learn the basics of long-term care—the who, what, where, when, and why—plus cameos from Rob Lowe and Maria Shriver. 🔗 Read the full blog post for sources, updated stats, and more: https://www.longtermwhat.com/basics-long-term-care ▶️ Watch ALL the videos in our Care playlist: https://bit.ly/4hQ5UyI ❤️ Our Why: Long-term care (LTC) and caregiving are overlooked in the U.S., despite 70% of adults needing LTC. The topic gets little attention due to reluctance around...2025-02-2104 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareEquine therapy in long-term care: a conversation with Jennifer Semach"Sometimes people can really shut down and the horses can get in there and reach in and welcome them back to being present. The horses are gifted. It's all them."Jennifer Semach is the founding Executive Director and program facilitator of Walkabout Farm Therapeutic Riding Association, a charitable organization in Minden, Ontario that offers free mental and physical health services on 100 acres of land with the help of therapeutic support animals: horses, cats, and rabbits. She also brings miniature horses to visit residents and their families in long-term care.Equine therapy promotes the physical, neurological...2024-12-0415 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareCaring for a partner with dementia: a conversation with Fay Martin"You don't know what's going wrong. And you have all these theories, but it's a long time before dementia is one of the hypotheses..."Fay Martin is a retired social worker who lives in Haliburton County, a small rural community in Ontario. She cared for her husband, who had dementia, until his death in 202. He died with - but not of - dementia, sparing them the ravages of the later stages of that disease. Nevertheless, it knocked their lives sideways. Learn more about the Strengthening a Palliative Approach to Long-Term Care project at: https://s...2024-11-1016 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CarePerson-centered care and the role of the Social Worker in Long-Term Care: a conversation with Kristen Lew-ByrneWhat is person-centered care and how does it contribute to a 'good' death? We spoke with Kristen Lew-Byrne, a registered social worker who talked to us about patient-centered care, and how social workers work with team members, residents and families to help achieve a good death means for each individual. Kristen Lew-Byrne  is a registered social worker who has worked alongside and supported residents and their families within long-term care for 11 years. She works from a holistic person-centered approach, which consists of intersecting psychosocial pieces and needs. Kristen is passionate about taking an ongoing palliative approach and r...2024-08-2213 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhy is it important to work with a LTC Planning Specialist?There are many professionals from whom you can purchase LTC insurance, but an LTC Planning Specialist is going to have the most knowledge and training about all the options that can be available based on unique needs of each person or family. This week I'm sharing what to watch out for when you work with different kinds of professionals.  I'm not saying that every representative who does not specialize in LTC will not do a good job. I'm sharing things to watch out for because this is one of the most important decisions you'll make regarding your family's future. You n...2024-07-2513 minPursuing Quality Long-Term CarePursuing Quality Long-Term CareDon't Drag My Resident into Court: The Impact of Guardianship on Residents in LTC FacilitiesGuardianship is a tool intended to support individuals who have lost the capacity to make decisions for themselves. However, guardianship is an extreme step and can have a devastating impact on a person's well-being. In this episode, we will discuss guardianship over residents of long-term care facilities, less restrictive alternatives, and strategies for supporting residents under guardianship. Guests: Alison Hirschel, Director of the Michigan Elder Justice Initiative, and Emily Miller, Managing Attorney of the Crime Victims Legal Assistance Project of the Michigan Advocacy Program2024-07-0139 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastThey said I was too big to qualify for LTC insurance. What can I do to protect my family?Alicia's insurance agent told her she was too short for her weight and no LTC insurance can be offered to her. Turns out that agent only represented one company.  Other companies will consider her build (height/weight).   Many people are either very small or very big.  There are alternative solutions to planning for future care needs that can help those outside of the weight limits of most companies.   Some companies don't ask about build or health at all, while some have more lenient health requirements than others. If you've been told you can't qualify for LTC insurance, it is wise to ask...2024-06-2610 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCase Study - he turned $100K taxable gains into over $500K tax-free LTC benefitsTo deepen our look into LTC annuities, this week we review how Danny 1035 exchanged a $160,000 variable annuity to a LTC indexed annuity with tax-free benefits for extended care needs.   His cost basis (amount he originally deposited) was only $54,000.  He has a lot of liquid assets and doesn't need the $160K to live on today. He is also an uninsurable health risk for almost all LTC funding options other than Medicaid, which he wants to avoid. Listen and learn how we moved his $160K into over $435K in tax free LTC benefits.  The account and LTC benefits balances will continue to incr...2024-06-0509 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastPension Protection Act - create tax-free LTC income using taxable gains on non-qualified annuitiesThis week, Diane shares how the PensionProtection Act passed in 2010 makes it possible to 1035 exchange non-qualified annuities into various LTC plans that generate tax-free income for extended care needs. Not all annuities are tax-free for LTC.  LIsten and learn how different rules apply to different annuity forms. If you or somone you know has an annuity that they don't want to use due to many years of taxable earnings when withdrawn, consider 1035 exchanging that into an LTC annuity with tax-free income for long term care. If care is never needed, the annuity is passed to beneficiaries just like  other annuities.   Let...2024-05-2913 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareThe Nurse Practitioner's role in palliative care: a conversation with NP Jennifer Burgess"Nurse Practitioners are well positioned to help residents and families navigate their life limiting illness. We have the knowledge and skillset to provide their primary medical care, their maintenance therapies, and the treatment of chronic illness flareups. I think the value add is that we can also integrate this approach and philosophy throughout the continuum of care."Nurse Practitioners play a significant role in long-term care, but many homes do not have one on the team. We spoke with Nurse Practitioner Jennifer Burgess about the role and how NPs can support other team members by modelling conversations...2024-04-1417 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CarePre-Printed Orders and decision-making in palliative care: a conversation with LPN Sarah Murphy"I think a lot of people, when you say the word palliative, they think the end of life is imminent. And that's not the case at all. These are conversations that should be starting to happen on move in or even before move-in." Sarah Murphy is a licensed practical nurse and the assistant director of care at The Hamlet's long-term care community in Vernon, British Columbia. She has been working long-term care for eight years and has served as a Care Service Lead,  Care Coordinator, and now the Assistant Director of Care.In this episode, w...2024-04-0313 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastIs the LTC plan my company is offering the same as one I can buy on my own?Employers are seeing their employees reducing hours or leaving work to care for parents, spouses and other family members. They're searching for strategies to help keep employees at work.. Group LTC plans are again becoming popular, and they look different than they did in yesteryear. Listen and learn what is available as an LTC worksite solution. If you own a business or you are an employee of a business and want your employer to consider group LTC, contact me for information  Schedule 30 minutes with me to inquire  2024-03-2713 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareTools for for transitions in end-of-life care: a podcast with Registered Nurse Ryan CollinsHow do we support the elderly and their loved ones as they transition through the phases of end of life? Registered Nurse Ryan Collins talks with us about how the Palliative Performance Scale tool and courses through the SPA-LTC program have helped him adapt care strategies for long-term care residents to ensure that they get the care that's right for them.Ryan Collins is a registered nurse and palliative care champion at a long-term care facility in St. John, New Brunswick. Along with a Bachelor of Science degree in Psychology and a Bachelor of Nursing, Ryan has...2024-02-0214 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhich words help and which damage our ability to plan for or receive LTC benefits?This episode is all about words. Words that your doctors enter into you medical charts... Words that you use when attempting to open a long term care claim... Words your doctors use on your LTC Plan of Care when opening LTC caims... Words you share with your doctor that get added to your medical records... We need to be aware of how helpful or how damaging words can be in each of these situations. Most important is that the AMA has approved a simple blood test to diagnose Alzheimer's with 97% accuracy.  These words in your medical charts will eliminate almost e...2024-01-3111 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCan I stop/pause benefits after I start using my LTC insurance?Emily in MIchigan has a cash indemnity LTC plan.  She asked, "Do they just keep paying until the benefits are all used or can she stop the payments mid-stream if care is no longer needed?"  Indemnity plans simply pay the maximum benefit each month without any need for invoices to be submitted, so how will they know to stop paying?  Diane shares some key differences in how both reimbursement and indemnity  LTC plans work.  Let's talk and find out which may work best to protect your family, assets and choices.   You can schedule time to design your plan to protect your fa...2023-12-1313 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastLTC Awareness Month - Caregiver strain - SOCIALIt's still LTC Awareness Month, and we're still focused on help for the family caregiver.  It's very easy for caregivers to fall into the trap of social isolation and lonliness.  The focus is always on the needs of the care recipient, and the caregiver may feel guilty for wanting things or activities for themselves.  LTC insurance is all about helping the caregiver help us better and longer, without wearing out.   Socialization is a basic human need.  We weren't created to be isolated and alone, and we shouldn't set our kids up to feel isolated and alone.  When we own LTC insuran...2023-11-2210 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastLTC Awareness Month - Caregiver strain- TIMELTC planning has little to do with the person needing care.  It's really about protecting those we love most from the physical, emotional and financial consequences they'll face when a parent or loved one needs help to get through each day. This month, we'll focus on five stressors a family caregiver WILL face to some degree.  The level of that strain depends on if there is a plan in place to manage and afford the care and responsibilities that come with caregiving. This week, we talk about time.  69% of family/friend caregivers report having to rearrange their schedules to provide nee...2023-11-0108 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareOrder sets for improving palliative care: a conversation with palliative care physician Dr. Melanie LegerDr. Melanie Leger is a palliative care physician in Moncton, New Brunswick. She recently developed standardized templates for order sets in palliative, to help guide community and long-term care health professionals as they review and update palliative protocols. The templates also increase efficiency by adding medication quantities and refill orders that can double as a prescription."Some of our nursing homes had order sets, but some didn't. This project made me realize that some of these order sets were sometimes dated. It made me think that having it reviewed by palliative care specialists can help make sure...2023-10-2313 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastIs there a time limit for me to use my LTC benefits?Sherry in Texas asked if there is a time limit to use the benefits once her LTC policy is activated.  That depends on how much insurance you own and how it is designed.  You can use the Genworth Cost of Care website to help determine how much insurance will work best to both compliment and protect your retirement savings.  You can find the chart at Schedule a meeting with me to design YOUR LTC plan at   LTC insurance is like a coupon to reduce your out of pocket expenses for LTC needs.  The insurance pays first and then you'll use your...2023-10-1814 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhat can I do if my LTC company raises my premium?When a traditional LTC plan's rates are increased, it's vital to seek out an expert to learn options rather than just get angry.  This week, Diane shares how her clients, Jim & Linda, can avoid future rate increases and still keep meaningful LTC coverage. Protecting our family, assets and choices are more valuable as we hope to age in place during our final years. If you or a parent receives a letter stating that their LTC premiums are increasing, let me help you determine the best course of action.  Schedule some time with me at   You or they had decided to own...2023-09-2712 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastShould I include inflation protection in my LTC plan, even at the higher cost?Irene in Nebraska wants to know if she should include inflation protection on her LTC plan, at a significantly higher cost. The real decision is to either pay more for insurance by adding inflation growth or pay more out-of-pocket for care at claim time.  Nursing home costs have averaged a 5% annual increase in cost over the last 30 years! Diane shares how inflation protection works and how plans with the rider help so much more when care is needed  She shares how her mom-in-law's plan had grown over 25 years and the value it provided during her home care journey since April, 2020.  If...2023-09-0614 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCan the cash value in my life insurance be used to fund a LTC plan?Matt listened to last week's episode about using an annuiy to fund LTC insurance and wants to know if life insurance values can also be transferred to fund a long term care plan.  The answer is yes, and Diane shares how a 1035 exchange can help reduce or eliminate premiums. With Matt's new plan, both the LTC benefits and the death benefits are 100% tax-free and won't impact any tax obligatio9ns or future Medicare premiums. If you have cash value built up in your life insurance policy, and your financial risk of needing extended care is greater than the financial loss t...2023-08-2310 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCan I use an annuity to fund my LTC plan and avoid taxes?This episode was originally published in May, 2021.  Diane shares how she helped Tom and Kay use a 20 year old annuity to design a long term care plan that pays tax-free benefits for care or pays your family back if care is never needed.  If you recall, interest rates were much lower in 2021 than they are today after the Fed raised rates multiple times this year.  There are more companies offering annuities with LTC benefits worth three, four or five times the cash value of the annuity. If you have a non-qualified (non-IRA) annuity that has been earning interest for several yea...2023-08-1611 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastHow is long term disability insurance different than LTC insurance?In this episode, Melanie Erb-Wokurka with Juice Plus in Tampa, Florida, wants to know how LTC insurance is different than the long term disability plan her company is offering.  Listen as Diane shares how the products are different and where each fits into our planning puzzle.  For asking, we'll send Melanie a gift to say thank you for helping listeners understand what to consider when preparing for tomorrow.2023-08-0211 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhat are some pitfalls to watch for when considering LTC coverage options?Beth in Tampa, Florida asks another great two questions!  She wants to know what are some critical or costly "items" that may not be covered by LTC insurance.  Diane shares how LTC insurance works and what to pay attention to when planning and also when opening claims so you can be sure to get the most from your plan.   Use the Genworth Cost Of Care site to find bot tody's costs and projected future costs of care anywhere in the United States at Schedule a zoom or phone meeting with me to design your plan at  2023-07-1814 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhy should we include our adult children when planning for LTC?This episode was originally published on July 19, 2022, and we heard from the kids.  What do they want to know about our LTC insurance plans?  How will it help them if we have a plan to provide for our needs?  It's important to include our family when planning for what could easily be the most fragile and most expensive part of our lives.   Having a plan for when life doesn't go as planned shows our kids that we value our relationship with them and their families.  We don't want to burden them by placing them in a position to have to change...2023-06-2112 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareHealth Equity in palliative care for Indigenous peoples: a conversation with project leader and researcher Holly PrinceHow do we address the issues of health equity when jurisdictional issues create a gap between two systems of care? We spoke with Holly Prince about the barriers to care for Indigenous peoples, and the importance of equitable access to palliative care within Indigenous communities.Holly Prince is an Anishinaabekwe  and a member of Opwaaganisiniing  in Northwestern Ontario. She has a Master’s Degree in Social Work and is a Ph.D. Candidate in Educational Studies at Lakehead University. Holly’s research focus is on decolonial and Indigenous education and health, and community-based research. Holly is the...2023-05-3122 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSocial programs for people with dementia: a conversation with Green Care Farms founder Rebekah ChurchyardA Green Care farm is a combination of agricultural activities and a population that could benefit from time in the outdoors. Green Care Farms CEO and Founder Rebekah Churchyard provides outdoor day programs for people with dementia, connecting them with nature on a farm in Milton, Ontario. The program includes planning and planting sensory gardens, and growing food for the local food. She says that research shows that these types of programs can result in a delay in admission to long-term care, while building psycho-social wellbeing.Rebekah holds a Master of Social Work in Gerontology, and works...2023-05-3117 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastDo I need LTC insurance if I don't have a family to protect?This episode is from September, 2022, and shares some things to consider when kids aren't a part of our retirement equation.  Topic to consider - Hope is not a plan.  We hope we'll never need care.  We hope that, if we do, that we have enough money to pay for it.   What if we don't have a family to protect?  Do we really need LTC insurance?    Many people with no kids have had better opportunities to save throughout their lives.  They've lived well and comfortably for as long as they can remember.  People without kids have always been able to choose how they w...2023-05-2414 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareTransitions and support when a loved one dies: a conversation with funeral director Joe PetersHow do we better support family, friends, and long-term care staff as they grieve the death of a long-term care resident? Joe Peters is a funeral director with more than 35 years of experience at funeral homes in Toronto. He has supported many family members and friends through grief, and he has also experienced a wide range of approaches to honoring the deaths of residents in long-term care. Learn more about the Strengthening a Palliative Approach to Long-Term Care project at: https://spaltc.ca/2023-05-0915 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CarePalliative Care for people living with disabilities: a conversation with Death Doula/ Grief Educator Carrie BattLiving with a disability can add extra complexity in health care settings, especially if communication is a challenge. Carrie Batt draws from her personal and extensive professional experience within the developmental disability sector to offer end of life care, support and planning for people across the disability spectrum. She helps people navigate systems for equitable and quality healthcare, and provides disability-informed end of life and grief support through her business. Seoul Care. Carrie also educates presents and rights for the disability, death, care, and bereavement communities about how untapped the topic of death, dying grief, loss, and d...2023-05-0915 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastLTC insurance buys your family time to make better decisions for your careThis episode was originally published in June,2022, so some numbers are slightly outdated. With a long battle of dementia looming, Bonnie's family is pretty sure she doesn't have enough insurance to pay for as long as she needs.  They know that she has at least 3 years of benefits, and that buys them the time they'll need to plan for a transition to Medicaid, if needed. They won't need to sell her house right away, and she can live there alone for now, with help from her LTC insurance and home caregivers.  They can be ready if she needs to move to...2023-05-0414 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastLTC annuities with enhanced LTC benefitsSuze Orman talked about annuities on Sunday, and she brought so much valuable info to her listeners.  You can listen and subscribe here - In addition to fixed and indexed annuities to create a future stream of income, you may be able to use an annuity to leverage LTC costs.  If you have that emergency fund that is turning into a long term care fund the older you get, you can deposit some of that savings into an annuity that includes enhanced or added benefits for extended care needs. Or if you own an annuity that you are not planning to...2023-04-1214 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CarePalliative and long-term care for Indigenous people: a podcast with Nurse, Elder and Knowledge Keeper Jeroline SmithHow do we ensure that Indigenous people receive palliative care that aligns with their culture and spirituality? In this episode, guest host and researcher Mary Lou Kelley has a conversation with Jeroline Smith, a retired nurse, Elder and Knowledge Keeper who has made significant contributions to palliative care for Indigenous people. Jeroline talks about the importance of community, the need for more training and resources, and the need for more long-term care homes in Indigenous communities.Jeroline Smith is a retired nurse currently working as an Elder and Knowledge Keeper to advise the work of Canadian Virtual...2023-04-1118 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastDon't have LTC insurance? You still need a planThis week is chock full of questions we need to be asking to make sure our LTC plan is really going to work.  We say we want to stay home, but what are the deeper questions we need to address to be sure that will work?  The 3 parts to a plan are 1) where do we want to live? 2) who do we want to have with us? and 3) how will we pay for this?  We're digging deeper into what these questions and our answers really mean for us and for those around us.  You may not want or qualify for LTC insu...2023-03-2915 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareFinding purpose in long-term care: a conversation with Shalom Village CEO Pat MordenHow do we make mission statements real ? Pat Morden says that leadership is critical to ensuring that people have autonomy and a sense of purpose to understand the mission.Pat Morden, the 'upcycled' CEO of Shalom Village, is committed to enriching the experiences of those who need to live closer to care and want to live life on their own terms. Pat has worked to achieve this alongside others in a variety of settings, including as a front line nurse, university faculty member, CEO, executive coach, a member of numerous boards, and the captain of a world...2023-03-1817 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhat tax deductions are available with LTC insurance?As we are all working to file our business and personal income taxes by March or April, I thought I would bring this episode back as we are always seeking more tax deductions.  LTC insurance may be tax deductible, depending on how you file your taxes - as an individual and as a business. This episode is from July, 2020, when our tax deadline was moved to July due to COVID.  The numbers are from 2020, but the principle stands. in 2023, if you file as a w-2 employee, you 'll need to meet 7.5% of your adjusted gross income in medical expenses to de...2023-03-0808 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastIf I have enough money, do I really need LTC insurance?BuddyIns is holding a webinar on March 23rd at 1 PM eastern to discuss this very topic with LTC guru Phyllis Shelton.  Email me at , and I'll send you an invitation to register and attend.  If you register and can't attend, a link will be sent to you to listen at your convenience. There are many ways to reply to this question, and I may end up replying again over the next couple of weeks.  Today, we are talking about family. When we buy LTC insurance, we are not really buying it for us.  We buy it for our families - so t...2023-03-0214 minThrough The PinesThrough The PinesPrepare For Long Term CareThrough the Pines - Long Term Care   Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while charging his EV, this is Through the Pines… How to prepare for Long Term Care What is Long Term Care? What does it Cost? What are the Odds? Does your need Change if You’re Married? How does Medicaid Work? How can you prevent Long Term Care from derailing your Finances? Traditional LTC Policy Life Policy with LTC Rider Self Insure Lean on spouse/family We’ll go a bit mor...2023-02-2337 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareEnd of Life Doulas in long-term care: a conversation with Olga NikolajevWhat role do End of Life Doulas play in long-term care, and how can they help residents, family members and long-term care staff during the dying experience? We spoke with End of Life Nurse Educator Olga Nikolajev about the role of an End of Life Doula in long-term care, and how they contribute to quality end-of-life care.Olga Nikolajev is an end of life nurse educator with over 25 years of professional experience as a registered nurse in various healthcare settings, including hospice palliative care. She facilitates online courses through Centennial College, as well as the End of...2022-12-1916 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareThe role of Speech Language Pathologists in long-term care: a conversation with Speech Language Pathologist Caitlin BuchellSpeech language pathologists have a unique and important role in a palliative approach to care, especially when it comes to managing risk and maintaining quality of life. Caitlin Buchell is a Speech Language Pathologist working in  Manitoba and Northwestern Ontario. She works with individuals with neurological disorders at the end of life to maximize their quality of life and ensure that they're able to communicate. Caitlin also works in palliative care and is the consulting speech language pathologist with the Manitoba Medical Assistance in Dying team. Speech-Language & Audiology Canada (SAC) is a member-driven o...2022-12-0714 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareCompassionate Leadership in Long-Term Care: a conversation with Thrive Group Executive Director Bahar KarimiBahar Karimi believes that compassion is the foundation to a palliative approach to care, and that it starts with ensuring that team members feel valued, safe and cared for.  She believes that we need a culture change in long-term care, one that identifies residents' multi-dimensional needs and gives team members the knowledge and tools to provide the best possibly care and quality of life.Bahar Karimi is the Executive Director of Long-Term Care Services and the Chair of Research at Thrive Group, a nonprofit organization that supports long-term care supportive housing and assistive living organizations in Ontario. B...2022-11-1618 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareCommunity paramedics and a palliative approach to care: a conversation with Craig JonesWhen you think of paramedics, do you think of 911 and emergency services? A community paramedics program in Peterborough is working to provide palliative and social services to seniors at home, with a goal to help them live well at home  for as long as they can.  Paramedics provide medical, emotional and mental health supports, and can identify individuals who may be at risk. They are also an advocate for patients and caregivers, and develop strong relationships within the community.We spoke with Craig Jones, the Deputy Chief of Community Projects with the Peterborough County and City Paramedics. He...2022-10-2715 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareEmbracing Diversity: new tools to support inclusion in long-term careA new diversity toolkit is providing resources for long-term care organizations to help raise awareness of issues of equity, diversity and inclusion. The Embracing Diversity: A Toolkit for Supporting Inclusion in Long-Term Care Homes is an interactive resource with print and online components that gives long-term care homes practical steps to nurture diverse and welcoming communities.We spoke with Michelle Fleming and Ashley Flanagan about the toolkit and the importance of understanding issues of equity, diversity and inclusion in long-term care. Michelle Fleming is a senior knowledge broker at the Ontario Centres for Learning Research an...2022-10-2518 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastIs an LTC tax coming to my state?This week, Diane explores and brings updates on the Washington Cares Act, a long term care tax on all employees in the state of Washington.  There are 14 other states looking closely at adding a state income tax to help fund LTC needs for those or can't or won't plan for themselves.  Listen, and learn what some of these states have started considering and why.   If you have ever wanted to consider leveraging your care needs with insurance, or if you want to learn about planning strategies offered in your state, the time to act is now, before insurance company restrictions and...2022-10-1916 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareGoals of Care in Long-Term Care: a conversation with physician and researcher Dr. Henry Siu"That's where the communication bit really is important. There's still medicine along the way, there's still chronic disease management. but it's the soft skills and the relationships and how you can leverage that to really make that stay for the long-term care resident and their family as peaceful, as comfortable and as high quality for them as possible." Dr. Henry Siu is an associate professor in the Department of Family Medicine at McMaster University. He has a clinical interest in working with older adults in primary care, and his scholarship is focused on long-term care.  He has al...2022-10-1115 minYour Dollars, Our SenseYour Dollars, Our SenseEpisode 17 - Thinking Long-Term Planning: An Interview with Beacon Pointe’s VP of Insurance Services on Planning for Care Needs as We AgePodcast co-hosts Coby Cress, CFP® and Karen Reifel, CFP® interview Beacon Pointe Vice President of Insurance Services, Scott Plamondon, CLU®, ChFC® on the topic of Long-Term Care ("LTC"). Scott shares the benefits of early enrollment and which plans are best for different age groups, the pros and cons of LTC, and various ways to incorporate Long-Term Care into your financial plan. Show Notes: Scott Plamondon (splamondon@beaconpointe.com) 2022-09-2026 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareMeaningful Connections: a conversation with PhD student and researcher Courtney HicksCourtney Hicks is a PhD student at the University of Waterloo in the School of Public Health Sciences, Aging Health and Wellbeing program. Her research focuses on a palliative approa h to care for persons living with dementia in long-term care settings. For two years, she worked as a Meaningful Connections Coordinator alongside a recreation and leisure team in a long-term care home in southern Ontario. During our conversation, she spoke about her personal and professional experiences with long-term care and palliative care, and the importance of building competencies in a palliative approach to care for all members of...2022-09-1913 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers - Episode 8Essential life lessons from family caregivers: On autonomy, commitment, and diversityIn this final episode, co-hosts Katie and Sibtain consider how the project intersects with their personal and professional lives. During this conversation, they discuss three important take-home messages from those who participated in this podcast series. These messages connect to the themes of autonomy, commitment, and diversity."I want to take these stories and experiences that these caregivers have so graciously given us as an indicator of where our healthcare system is today but also where it needs to go." - Sibtain2022-09-0716 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastHow long will they live?This is a question so many of us ask when an extended care need invades our world.  We don't want to have to ask this when a loved one needs help living...we feel guilty even thinking about it.  We also find ourselves asking "how long" when we are planning for our own future needs as well.  There will always be some questions that aren't answered until LTC is imminent: When will we need care? Where are we going to live? How much will care cost? How long will we need care? By working with an LTC planning specialist like mys...2022-09-0713 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers - Episode 7Everyone has their own perspectiveIn this episode, you’ll meet Suzanne, a retired teacher who – along with several siblings – provides care to her mother. As co-hosts Katie and Sibtain ask questions about the experience of sharing the caregiving responsibilities within a large family, Suzanne reflects openly on how everyone – including her mother – has their own perspective! "We are very lucky in that she listens to everyone but says, ‘nope; this is what I want’." – SuzanneLearn more about the Strengthening a Palliative Approach to Long-Term Care project at: https://spaltc.ca/2022-08-1822 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers - Episode 6Some friends become familyIn this episode, Rina shares wisdom from decades of experience supporting a close friend whose physical and cognitive function is changing. She keeps things grounded as she narrates the specific and creative ways she contributes to her friend’s quality of life. When it comes down to it, Rina’s story is about treating others as we’d like to be treated, and about prioritizing the seemingly small yet very important things that mean so much to quality of life.“I always think, what would I like?” – RinaLearn more a...2022-07-1422 minA New PerspectiveA New PerspectiveWe’re back…AGAINNate and Talal come back after 3 long months with the fresh return of A New Perspective. In this episode they catch up, discuss upcoming changes, and future plans. If you have an idea you would like to see, let us know here: https://forms.gle/pdLpeXWhaShhyW5w6 ❗️ Follow Us! ❗️      LTC ►https://linktr.ee/LTCKings     Nate ► https://linktr.ee/lordnathanielcumer     Mike ► https://www.instagram.com/mfxb02/  Talal ►https://www.instagram.com/talal_aldubayan/      👨🏼‍🎨 Awesome Thumbnail Artist  ► Lex https://youtube.com/channel/UCxE2IT7TtK80rV_nSFpdvxw     🎶 Awesome Music  ...2022-07-1317 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareThe physician's role in Long-Term Care: a conversation with physician Dr. Sandy ShamonDr. Sandy Shamon is a physician and medical director working in long-term care, and a palliative care consultant at Sinai Health in Toronto, Ontario, Dr. Shamon is interested in improving quality of care in long-term care, through research and her advocacy role with the Ontario long-term care clinicians organization, where she works to champion system reform and education to enhance the quality of care in these settings. Learn more about the Strengthening a Palliative Approach to Long-Term Care project at: https://spaltc.ca/2022-06-0716 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers - Episode 5Caregiving is just what I doIn this episode, Sheila, a Nehiyaw (Cree) woman from Treaty 6 Territory, explains how she supports an adult son living with an acquired brain injury and a genetic syndrome. While co-hosts Katie and Sibtain prepare for this exchange, Sheila explains the meaning of their tobacco offering. As Sheila describes how her son navigates his health conditions and how she supports him, you’ll find yourself reflecting the terms “caregiver” and “disability” in a new way."I didn't think twice about if it was going to be hard or easy or how muc...2022-05-1222 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhen should a 31 year old be adding LTC to their retirement plan?This week, our 31 year old son asked when he should be adding LTC coverage to his retirement plan.  Diane shares things to consider when planning to be sure you can both qualify and afford LTC insurance.  11 states are working on creating a mandatory LTC tax.  As of today, it looks like the only way to avoid the tax is to not be working or to own your own private LTC plan.  Washington state has already done this. The other states currently  working on a tax plan are CA MI CO MO NY VT OR HI MN IL and NC.  California is clo...2022-05-0414 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareA conversation with palliative pain and symptom management consultants: Jen Logan and Kim RogersJen Logan has been nursing for 25 years and has worked in palliative care in many capacities, including community nursing care coordination for a palliative care team. In her current role as a palliative pain and symptom management consultant, she is also an advanced care planning regional champion, which allows her to build the capacity of frontline care providers in advanced care planning and the provision of person-centered care for patients and families.Kim Rogers has been a nurse for almost 20 years, and has been a palliative pain and symptom management consultant for nearly seven years. Prior to...2022-04-2516 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareThe Serious Illness Conversation Guide in professional practice: a conversation with clinical nurse specialist Gita Rafiee and physician Dr. Nick PetropolisGita Rafiee is a Clinical Nurse Specialist at Fraser Health in British Columbia, and a clinical Instructor at Vancouver community college.  She has extensive experience in several clinical settings, including Acute care, Assisted Living and Long-Term Care, and she works with students, patients, families, and interdisciplinary teams to promote patient health and well-being and quality of life.Nick Petropolis is a family doctor and the Physician Lead for Fraser Health’s Palliative Approach to Care in Long-Term Care in British Columbia. He is passionate about doing Family Medicine “the right way,” by listening to his patient's ideas, fears a...2022-04-2116 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers - Episode 4When the going gets tough, the tough get goingIn this episode, Darrel looks back on pivotal moments in his caregiving journey, including the moment he first realized his mother’s cognitive health was changing, and the moment he realized how hard it was for his father to be his mother’s sole caregiver. He shares what inspired him to step into a role as their primary family caregiver, and how this shaped his own experience as a parent. "Look for those moments of connection and really enjoy them." – DarrelLearn more about t...2022-04-1422 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareA family's experience with long-term care: a conversation with teacher and family member Sandra ChowSandra Chow is a recently retired teacher and program consultant who worked for 30 years with the Waterloo and Hamilton boards of education. She has continued her learning in retirement with courses from the university of Toronto, continuing studies in mindfulness informed end of life care. She also recently became involved with the community of practice for strengthening a palliative approach in long term care.In this podcast, Sandra talks about her experiences caring for her mother in long-term care, and the importance of a palliative approach to care.Learn more about the Strengthening a Palliative...2022-04-0516 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareAdvocating for a better long-term care system: a conversation with Palliative Care Physician Dr. Amit AryaDr. Amit Arya is a palliative care physician who works in hospital, home care,  and long-term care facilities, and is also a professor at the University of Toronto and McMaster University.  He's currently the palliative care lead at Kensington Health in Toronto, and also works at the Freeman Centre for Palliative Care at North York General Hospital in Toronto, Ontario.  He holds multiple leadership roles at the national, provincial and local level, and was awarded the 2020 Award of Excellence in Social Responsibility  from the Department of Family and Community Medicine, University of Toronto.In 2021, Dr. Arya co-founded Doct...2022-03-1816 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareThe role of the personal support worker in long-term care: a conversation with Personal Support worker Jackie McDonaldJackie McDonald recently retired after being a Personal Support Worker for the past 27 years. She has worked in both community and long-term care settings in Thunder Bay, and she was the PSW lead for the Quality Palliative Care in Long-Term Care project at Lakehead University from 2004 to 2009. Through this project, Jackie has help to develop many initiatives pertaining to bettering the quality of life for residents, families, and staff. Learn more about the Strengthening a Palliative Approach to Long-Term Care project at: https://spaltc.ca/2022-03-1013 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareEducation and research for nurses in long-term care: a conversation with Professor and researcher Dr. Patricia StrachanDr. Patricia Strachan is an associate professor in the School of Nursing at McMaster University. Her clinical background is in emergency intensive care and adult medical surgical nursing.  Dr. Strachan's research interests have evolved as she works to understand how we talk with patients living with advanced heart failure about their illness and its implications. Her focus in education and research is on optimizing nurses' capacities for meaningful conversations in challenging contexts, and particularly with patients living with advanced illness. Learn more about the Strengthening a Palliative Approach to Long-Term Care project at: https://sp...2022-03-1015 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers - Episode 3A self-styled approach to disability supportIn this episode, you’ll meet sisters Krysta and Kayley. In addition to being a family member, Krysta also works as Kayley's full-time caregiver. Using an open and humorous approach, the two share what it's been like to self-style their caregiving relationship. In doing so, they illustrate how important it is for care to run both ways. This leads co-hosts Sibtain and Katie to contemplate different funding models for caregiving in Canada.“I don’t have a clock to switch on and off; I have times when I’m ne...2022-02-2420 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareAdvocating for nurses and personal support workers in long-term care: a conversation with Nurse and Educator Laura BulmerLaura Bulmer is a Registered Nurse with a Masters in Education who has extensive palliative care experience. As full- time faculty in a Toronto college, Laura has taught in the nursing and Personal Support Worker programs for over 2 decades.  She is the recipient of an RNAO Best Practice Award for her work in palliative care including the My Story and Can We Talk project.Laura’s passions include advocating for Personal Support Workers and enhancing palliative care education.Learn more about the Strengthening a Palliative Approach to Long-Term Care project at: https://spal...2022-02-1712 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareStrengthening a palliative approach in long-term care: a Conversation with Professor Dr. Mary Lou KelleySince 1972, researcher Mary Lou Kelley  has been engaged in gerontology and palliative care practice, teaching and research. She has made major contributions to research in long-term care, and rural and First Nations communities, using participatory, community development approaches to empower and support community members and front line workers. Her research has led to changes that have improved end of life care for people, their families and communities. Mary Lou was a professor at Lakehead University for 35 years, and is now a team member working on the Strengthening a Palliative Approach in Long-Term care project, as well as a...2022-02-1713 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers - Episode 2Keeping family close while living at a distanceMarlene shares her experience of keeping family close while living at distance. She explains how long-distance caregivers stay actively involved in coordinating care, describes the feelings that arise from not being physically present all the time, and offers listeners ideas for bridging the distance. “We have a standing date - every Thursday we visit on Zoom. And even though dad can’t comprehend how we’re actually doing this and it just amazes him every single time, he loves it."Learn more about the Streng...2022-01-1224 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCase Study 1 Annuity LTCThis week, Erin can't qualify for traditional or hybrid LTC insurance due to health.  We share her background and financial position as well as the solution we designed together to help cover potential long term care needs.  All the numbers shared are hypothetical as there is no way to predict actual future returns. If you've been declined for LTC insurance, alternative options may be available2022-01-1111 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastIf I have enough money, do I really need LTC insurance? Part 3This week, Diane shares that assets don't pay for LTC needs; income pays this as LTC services create a bill, or invoice that must be paid weekly or monthly.  If we don't have enough income, we need to sell assets to create income.  Diane shares some of the financial consequences when we rapidly start selling assets to fund an extended care need.2021-12-1412 minStrengthening a Palliative Approach in Long-Term CareStrengthening a Palliative Approach in Long-Term CareSpecial Series: Cup of Care- conversations with family caregivers: Episode 1Join co-hosts Katie Ottley and Sibtain Ali for a series of conversations with Canadian family caregivers. As guests Marlene, Kayley, Krysta, Sheila, Suzanne, Rina, and Darrel share powerful life lessons on caring from near and far, Katie and Sibtain realise that no two families are alike and that there is much to be learned from hearing each other’s stories.Katherine (Katie) Ottley is a doctoral student in Culture, Health, and Human Development in Saskatoon, Saskatchewan. Informed by her personal experiences of disability and caregiving, she is interested in highlighting others' unique experiences. In the podcast series Cu...2021-12-0723 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhat does Contingent Non-Forfeiture mean? Is it on every LTC plan?hat does Contingent Non-Forfeiture mean? Is it on every LTC plan?Welcome to season 3!!!!  Steven in New Jersey asked about contingent non-forfeiture.  He wants to know if every LTC plan has it.  Diane shares what both the contingent NF rider is as well as the optional NF rider that you can add to a traditional Tax-Qualified LTC plan.  Hybrid or linked benefit plans have a cash surrender value rather than non-forfeiture.  Listen and learn how they differ, and how this all works when used.2021-10-0514 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastMy husband's LTC insurance will end next month. What can I do to keep it active?Although Maria's husband has used over $393,0000 on LTC benefits over the last 5 years, it wasn't enough.  He still needs help with dementia, and they will need to start spending down assets until he qualifies for Medicaid.  With Alzheimer's disease in his family, they know now that spending another $40,000 on LTC insurance would have saved them not only $100K+ today, but also would give them more control over where he will recveive care for the rest of his life.  Learn from their mistake so you and your family can be Prepared for Tomorrow.2021-09-2913 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWill using the LTC benefit decrease the death benefit? How?Nicole wants to know how using the LTC benefit will affect the death benefit in a life/LTC combo product.  Diane shares some different ways the insurance companies design these plans and how they pay.  Plans and benefits need to match the goals of the policy owner and their family.  Let's discuss what kind of plan will work best for you.2021-08-2513 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCan a corporation pay AND deduct LTC premiums for key employees?After last week's episode on tax deductibility of LTC insurance premiums, we received multiple inquiries about taxes and C corporations paying for LTC insurance for some key employees.  This is apparently a HOT TOPIC!!!  Yes, corporations can often deduct premiums paid for employees, the employees receive LTC coverage with tax free benefits, and the employee's gross income is not increased by this employer benefit.  Listen and learn how this strategy works and ask us to help you decide if this can be offered to your employees.2021-08-0411 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastCan I put my assets into a trust and ask Medicaid to pay for my LTC?Maggie wants to know if she can place assets into a trust and qualify for Medicaid to pay for LTC needs.  That is a complex question, and Diane shares how that strategy compares to using LTC insurance to pay.  Every strategy has advantages and disadvantages, and we need to carefully consider each when making these important decisions that can protect our family, assets and choices.2021-07-1413 minLTC Heroes - A podcast on Long Term Care, Senior Living, Senior Care & Skilled Nursing FacilitiesLTC Heroes - A podcast on Long Term Care, Senior Living, Senior Care & Skilled Nursing FacilitiesLTC Legal Counsel and Affiliations with Glenn Fox, Executive VP of ACTS Retirement-Life Communities, Inc.LTC Affiliations and Acquisitions On this episode of the LTC Heroes podcast, Glenn Fox, Executive VP - Legal, Compliance, Risk Management, and General Counsel at ACTS Retirement-Life Communities, sits down with us to share his legal and financial expertise in the LTC industry. Glenn outlines the differences between non-profit LTC acquisitions and affiliations, describing why organizations would choose one over the other, or a combination of both. He discusses the main reasons organizations would want to be acquired or become affiliated, which includes needing financial assistance and guidance when there’s a change in management....2021-04-0549 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWhy might someone be rejected for LTC insurance?This week, Kim in Illinois asks what kinds of health risks will cause someone to be rejected for LTC coverage.  Just like with most kinds of insurance, we need to be at an acceptable risk in order to qualify for coverage.  If we are in average good health, we are likely to be approved, but there are some potential risks that LTC insurance companies won't accept.  Their primary obligation is to protect those who already have coverage.  In order to keep the overall risk of a group of insureds (clients) "clean", and to keep their commitments to current clients, insurers need...2021-03-1611 minPreparing For Tomorrow podcastPreparing For Tomorrow podcastWill LTC insurance pay for home care only in my own home?This week, Joy asks if she can use her LTC plan to pay for home care if she lives somewhere other than the home where she currently resides.  Specifically, she wants to move to a Continuing Care Retirement Community (CCRC).  Diane shares how LTC insurance pays for home care services.  What questions do you have?  When you ask, you are helping us to help others who also want to learn how to protect their family from the immeasurable cost of an extended care need.2020-12-1508 min