Transformation is critical to the long term care insurance industry. The sooner the industry wraps its arms around transformational long term care presentations the sooner we can provide a more affordable life raft to millions of families.

Transactional selling is the current Long Term C are insurance specialists day-to-day mode of operation. Each day the task is to provide long-term care and home health care coverage to clients based on designed criteria of what is the best benefits today, what is the need today, what is the best premium I can offer today? What many astute professionals in the industry are learning is that transactional selling maybe hurting the clients and the industry in the long run and are beginning to eye a new point of discussion called “Transformational selling.”

Why the change in direction, the professional Long Term Care insurance advisor and industry have been under constant attack by the media and consumer advocates. Some of the criticism have been justified and warranted. While others have been biased or with a agenda to derail the industry. However, most reporting has been a valuable wake up call to a industry that is very needed and still evolving.

Over the past, 25 years the long term care insurance industry has developed market-share from nothing with transactional selling. Through out those years the industry had to negotiate it way through the ups and down of the continued flow of media attacks. The ground kept shifting underneath the industry while the consumers and media kept moving away from the value of long-term care insurance. The media has done the industry a favor to start the process for the industry to re-invent themselves.

Redirection is seldom easy. Many in the industry prefer the comfort of the familiar, but uncomfortable, to the risk of the unknown. It is, conceivably, our good fate to live in an age when so many changes are demanded on so many fronts at such blazing speed. The old motto of the “tried and true” hypothesis is bound to be challenged by new possibilities, new insights, new distinctions, new business and social realizations.

Combine the demand that we redirect product and presentations with reframing our long-term care and home health care insurance environment to the social realizations in order to be consistent with what is possible for the communities we serve. This call to action generates a desire to embrace our collective hands of imagination, to take on the responsibility for our views even when they run counter to the mock-up of a media interpretation from old perceptions: predetermined, indisputable, rational and predictable as the way things are.

How does the industry go about changing the point of discussion with consumers and the media? By moving the conversation into the consumers, advocates, and medias listening. Unpaid informal caregiving, we have to take responsibility for the mass confusion of policy benefits, elimination periods, variation of home care, alternate plan of care, shared care, restoration of benefits, bed reservations, and respite care its enough to make anyones do a scene from the exorcist.

The sooner the industry wraps its arms around transformational selling the sooner we can provide a more affordable life raft to millions of families. LTCi is not a cure all it simply a tool to manage or reduce the consequences when a Long Term Care event occurs. That is our message anything more than pure fantasy. HomeLTC is the starting point, and if we surge this market with $100,000 face values, with $1500 - $3000 in tax-free cash benefit with an affordable premium as a beginning foundation for informal services we will generate more favorable press and appreciation from consumers.

HomeLTC.org breaks new educational ground on Partnership Long Term Care Plans. HomeLTC.org, launches a new video, “CashBridging Partnership Plans”. This new on-line video illustrates how to enhance Cash Long Term Care insurance with State Partnership Plans.

HomeLTC.org, the first online educational resource for Cash Long Term Care insurance launches a new video, “CashBridging Partnership Plans”. This new video illustrates how to enhance Cash Benefit Long Term Care insurance with State Partnership Plans.

Long Term Care Partnership Plans combine the use of private and public resources to provide Long Term Care coverage. In return for buying a private insurance policy, more of your assets are protected if you need Medical Assistance (MA) later on to help pay for your Long-Term Care services (LTC). Many states are moving aggressively to slow the hemorrhaging of Medicaid expenditures.

Many families prefer to 'do' the caregiving themselves, however many fall short when it comes to the financial resources. Cash for Care is a starting point for the country's front line of defense, the unpaid informal caregivers (family and friends). Most Partnership Plans are structured more for professional services, with minimal to no benefits for informal caregiving. CashBridging offers a life preserver to families who prefer to do the "heavy-lifting" when it comes to informal home health care before professional services are the only option while still being able to preserve a portion of their estate.

Partnership Plans are traditionally more expensive because they require mandatory benefits that can drive up premiums. The benefit of CashBridging in place of a single policy, with or without a cash feature, is that it allows you to manage premiums effectively by varying the elimination periods, benefit duration or inflation options, which can equal the premium for a plan with limited or no informal caregiving, and may even be lower.

CashBridging is a simple process of purchasing a traditional reimbursement Long Term Care policy or a home health care policy plus a Cash LTC policy and is an effective tool in meeting the qualifications of State Partnership Plans, with more useable benefits, especially for informal caregiving.

HomeLTC.org has a unique educational approach utilizing online videos and slideshows, generating a very positive buzz from consumers and the industry, with over 25,000 hits in three days. “Excitement is mounting about the role we are playing. Throughout the next few months, we will be releasing even more innovative educational tools and are grateful for all the interest we have been receiving,” says Gregg Kroman, Executive Director.

When families have the tools to take care of each other, they meet the challenge.

For more information, please contact Gregg Kroman at 828.628.0876 or visit www.cashltc.org