Care from Family Greatly Reduces the need for a Nursing Home

Sep 21, 2021

The September, 2021 issue of the journal Health Affairs features a study that family-provided care (spouse or adult children) for dementia greatly diminishes the chances that the individual will need to enter a nursing home. However, full time caregiving will burn out the support team. Family simply cannot be expected to provide 24-7 care without…

Read More

Free Post Covid Visit

May 10, 2021

If anyone has any questions or confusion on dealing with long term care, or the insurance which pays for it, I am here as a reference and to help. I am 71, have been helping folks for 30 years with this, and now this is my giving back. There is no cost to visit and…

Read More

If You are on Medicaid, A Deadline is Rapidly Approaching.

Apr 12, 2021

Did you receive a $600 stimulus check a year ago?  It was not considered income when it was received. But now that it’s a year later, if that stimulus check caused you have more than $2000 in your savings, you will become ineligible for Medicaid and lose all benefits. There is a simple “fix” for…

Read More

How was your Easter?

Apr 8, 2021

It may have been as long as a year or more since family members were with the seniors in their lives.  Now that some families are cautiously getting together again, Easter might have been one of first times they have been together in person. How were the seniors in your family doing? Have things changed…

Read More

Alzheimer’s May Strike Women and Men in Different Ways

Mar 11, 2021

At the end of February, the website HealthDay published an article entitled “Alzheimer’s May Strike Women and Men in Different Ways”. ( ) Here is a quote from that article: “The ravages of Alzheimer’s may strike later in women than men, but once it takes hold women tend to deteriorate far faster than men, according…

Read More

Long-Term Care Insurance: First, You Should Find an Agent: Wall Street Journal

Feb 15, 2021

I often cringe when I see a newspaper or magazine article that discusses long-term care because so many include misleading or outdated information.  I was pleasantly surprised when I read this Wall Street Journal article. My approach—and my qualifications—are very consistent with what was outlined here. Wall Street Journal Reports Monday February 8th, 2021 Long-Term…

Read More

You’ve planned ahead–or have you?

Dec 16, 2020

So, you’ve given the house (or farm or some other assets) to the children long ago so the government will pay for your long-term care, and you’re feeling proud of yourself for having planned ahead.   But, I have some bad news for you—did you know that almost no assisted living facilities will accept you…

Read More

It’s the Holidays, Let’s Talk

Nov 30, 2020

How long has it been since you have seen all of the family?  How are they doing?  Perhaps not as well as last year?  Perhaps it’s time to talk. It’s the holidays, this is the time of year when many families realize a family member is not doing as well as s(he) has in the past,…

Read More

Have you ever wondered….

Oct 12, 2020

Do you have questions about the cost of long term care? Are your clients confused about the many options, how to choose coverage, or if it’s necessary for them? I’m Romeo Raabe LUTCF, LTCP and I’m known as The Long Term Care Guy–in fact, my website is and I work exclusively on Long Term…

Read More