According to a World Health Organization report, "The problem of long term care is intensifying. Strategies for providing long term care have been low on government agendas everywhere and are completely absent in some countries. Little has been done to address the current challenges, much less to prepare for the future."
Jay Zandell, CLTC - Z Planning group
www.zplanninggroup.com
WHO? Jay Zandell, CLTC
Z Planning Group is lead by Mr. Jay E. Zandell, CLTC, a recognized expert in long term care planning. Mr. Zandell is an honorably discharged Marine, graduated from the University of Kansas, and is the proud father of two incredible children. He established the firm to separate and distinguish the differences between product marketing organizations and those committed to helping individuals, families, and businesses in addressing the inevitable situation of long term care in a respectful and professional manner.
Mr. Zandell has been published on numerous occasions, heard on, as well as guest-hosted Talking Dollars & Making Sense (1100 kfnx). Most recently Mr. Zandell was interviewed by Channel 15 (local ABC Affiliate) as a who’s who when it comes to long term care planning.
WHAT?
The focus at Z Planning Group is comprehensive long term care planning and elder care advocacy. We take an in depth look into the clients particular situation with respect to finances, health, estate issues/desires, family history, family geographical challenges, history of long term care needs, history of prevalent conditions within the family and so much more. Z Planning Group is focused on problem solving rather than solutions….Sounds backwards doesn’t it? However, if we recognize and understand that a problem even exists, at that time we can then determine the proper solution. The proper solution is the one that works for you and your family, assuming there is a problem to begin with. It’s about planning and ensuring a funding mechanism for the plan.
WHERE?
Z-Planning Group
Z-Phone: 602.377.1995 Z-Fax: 866.606.7641
Z-Email: jay@zplanninggroup.com
WHO?
Thomas Day
Over the years, I have been involved in my local area in teaching workshops on long term care planning and meeting with people and helping with their problems. Along the way, I felt compelled to learn everything about eldercare issues that I possibly could. I have written several books and produced most of the material for this web site which I believe is the most comprehensive and detailed information on long term care planning ever produced.
All of this experience led me to the conclusion that the American public is not doing a very good job of planning for long term care. Beginning in 2005, the entire focus of this site shifted to planning for long term care. A group of like-minded, concerned investors started a movement called the National Care Planning Council, which now owns this site and two others. The council promotes our concept of long term care planning nationwide and we intend to dovetail our efforts with a new national initiative for the same purpose from the Department of Health and Human Services.
I'm passionate about preparing for long term care. Susan, and I went through it with all four of our parents. We didn't have a life for five years. And at the age of 63, I suffer from an immune demyelinating neuropathy that results in disability and already requires me to rely on others for help. Because of my personal experience you can understand how anxious I am to promote long term care planning. My story.
If we could express the mission of this site and of the Council in a few words it would be:
We promote and support planning for long term care.
WHAT?
The National Care Planning Council and its affiliated members are dedicated to helping the American public recognize the need for long term care planning and to helping implement that planning.
The National Care Planning Council has identified seven logical steps that should be followed in order to thoroughly plan for eldercare.
National Care Planning Council's Statement of Purpose
• To promote a public awareness of the need for long term care planning. • To provide materials to educate the public on how to plan for long term care. • To provide training to member eldercare experts who help the public plan for long term care. • To promote the services and expertise of our members.
• To provide a forum for members to share ideas and marketing strategies.
WHERE?
You may contact Thomas Day at 801-298-8676 or Email tomday@longtermcarelink.net
WHO?
Steve Moses
Stephen Moses is president of the Center for Long-Term Care Reform in Seattle, Washington(www.centerltc.com). The Center promotes universal access to top-quality long-term care by encouraging private financing as an alternative to Medicaid dependency for most Americans. Previously, Mr. Moses was president of the Center for Long-Term Care Financing (1998-2005), Director of Research for LTC, Inc., (1989-98), a senior analyst for the Inspector General of the U.S. Department of Health and Human Services (1987-89), a Medicaid state representative for the Health Care Financing Administration (1978-87), a HHS Departmental Management Intern (1975-78), and a Peace Corps Volunteer in Venezuela (1968-1970). He is widely recognized as an expert and innovator in the field of long-term care. Senior Market Advisor magazine put Steve Moses in its top-ten LTC insurance "Power List" and his picture on its cover. McKnight’s Long-Term Care NEWS said Moses is “one of the 100 most influential people in long-term care.” Nursing Homes magazine reported “there is probably no more articulate spokesperson for privately financed long-term care than Stephen Moses.”
Mr. Moses has directed numerous national and state-level studies for the federal government, state governments, and private think tanks on Medicaid nursing home eligibility, asset transfers, estate recoveries and long-term care financing. He specializes in correcting problems associated with “Medicaid estate planning,” the practice of artificially impoverishing affluent people to qualify them for public assistance.
Moses influenced the content and passage of the Deficit Reduction Act of 2005, which discouraged Medicaid planning abuses and unleashed the LTC Partnership programs. He is credited with having “forged the framework” for the Omnibus Budget Reconciliation Act of 1993, which closed many Medicaid eligibility loopholes. He helps state Medicaid programs curtail Medicaid estate planning and encourage private insurance and home equity conversion as alternatives to public welfare financing of long-term care for the middle class and affluent.
Mr. Moses’ articles have appeared often in distinguished publications like The Gerontologist, The Journal of Accountancy, The Journal of Financial Planning, Contemporary Long-Term Care, Best’s Review, National Underwriter, Assisted Living Today and Nursing Homes magazine. He is the author of chapters in several books including “Health and Long-Term Care Insurance” in Clark Boardman Callaghan’s legal treatise Advising the Elderly Client, the chapter on long-term care financing in "Age Wave" author Ken Dychtwald's Toward Healthy Aging anthology, and a critique of the long-term care partnerships in a volume which reviews that program.
Steve Moses has testified before Congress and two-thirds of America’s state legislatures. He frequently addresses professional conferences in the fields of law, aging and insurance. His recommendations are quoted often in the national media including the “CBS Evening News,” PBS’s “Frontline” and “The Financial Advisors,” CNN, National Public Radio, The New York Times, The Wall Street Journal, Newsweek, USA Today, Forbes, The New Republic, Smart Money, National Journal, and Jane Bryant Quinn’s syndicated column. He appeared in a public television documentary titled “The Aging of America: The Dilemma of Long-Term Care.” His talk radio appearances on healthcare reform are unique and provocative.
Stephen Moses is the author of Aging America's Achilles' Heel: Medicaid Long-Term Care; LTC Choice: A Simple, Cost-Free Solution to the Long-Term Care Financing Puzzle; The Myth of Unaffordability: How Most Americans Should, Could and Would Buy Private Long-Term Care Insurance; The LTC Triathlon: Long-Term Care's Race for Survival; The Realist's Guide to Medicaid and Long-Term Care and many other widely distributed studies and reports.
Education: Bachelor of Arts in Political Science, Highest Honors, Phi Beta Kappa, University of California, Davis (1967); Master of Arts in Political Science, High Honors, University of Maryland, College Park (1972).
WHAT?
Center President Stephen Moses and Executive Director David Rosenfeld founded the Center for Long-Term Care Financing in April, 1998 to educate others about the problems which plague America’s long-term care financing system and to advocate public policy that targets our scarce public resources to the neediest, while encouraging everyone else to plan ahead for the risk of expensive long-term care. The Center’s efforts continue to expand upon Moses’ and Rosenfeld’s prior work at LTC, Incorporated and Moses’ seminal research as a senior analyst for the Health Care Financing Administration and for the Inspector General of the U.S. Department of Health and Human Services. Through frequent speeches to national audiences, hard-hitting reports, and its popular "LTC Bullets" on-line newsletter, the Center for LTC Financing quickly became the preeminent advocate for a rational and financially viable long-term care financing system. In February, 2000 the Center became a 501(c)(3) charitable non-profit organization. The Center for Long-Term Care Financing was succeeded by the Center for Long-Term Care Reform, Inc in May, 2005. Although the operating structure has changed to “for profit,” or perhaps more accurately “no profit,” Moses’ mission for the Center for Long-Term Care Reform remains the same: to ensure quality long-term care for all Americans.
The Center for LTC Reform, Inc. is a private institute dedicated to ensuring quality long-term care for all Americans by promoting public policy that targets scarce public resources to the neediest, while encouraging people who are young, healthy and affluent enough, to take responsibility for themselves.
WHERE?
Center for Long-Term Care Reform, Inc. 2212 Queen Anne Avenue North, #110, Seattle, WA 98109
Phone: (206) 283-7036 Fax: (206) 283-6536
E-mail: smoses@centerltc.com Web Site and "The Moses LTC Blog": http://www.centerltc.com