Phyllis Shelton

Phyllis Shelton is the President of LTC Consultants, a Nashville-based company that she founded in 1991 specializing in long-term care insurance sales training, consumer education and marketing materials. She is widely considered to be the leading long-term care insurance sales trainer in the country. Now her heart goes out to anyone who doesn't have a local insurance professional to help them consider long-term care insurance, and she is willing to be a resource for those people, or their financial advisors.

Most commented posts

  1. What happens if a LTC insurer goes out of business? How common does this happen? — 45 comments
  2. Your Customized Benefit Selection Process — 44 comments
  3. Welcome SUZE ORMAN Readers and Everyone Else! — 37 comments
  4. How much does long-term care insurance cost? (rate calculator for sample plan) — 36 comments
  5. The Secret Medicare Plan that No One Tells You About — 35 comments

Author's posts

Mar 11

You Can’t Put a Price on Dignity

You Can’t Put a Price on Dignity (written for California Broker, November 2010) The nation is being engulfed by a tidal wave of entitlement mentality. The feasibility of funding long-term care with taxpayer dollars through the Medicaid program is bleak with 150 million employees vs. 58 million people on Medicaid today.2, 3 That’s a ratio …

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Mar 11

Long-Term Care Insurance Needed to Protect America’s Financial Recovery

Long-Term Care Insurance Needed to Protect America’s Financial Recovery (written for Agent Sales Journal, November 2010 issue) By Phyllis Shelton, President, LTC Consultants and LTCiTraining.com America has a choice to make. There’s no way that public dollars alone can pay the long-term care for the baby boomers, 95% of whom have no coverage for long-term …

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Mar 11

Is CPI Inflation Adequate?

You will definitely want to pick up Prudential’s 2010 Long-Term Care Cost Study, which measures trends in costs associated with the major forms of long-term care services. (See the link to this survey under “What Does Long-Term Care Cost?” on this site.) I’ve seen the cost of care increase an average of 5-6% compounded annually …

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Dec 14

State Budget Shortfalls and State-Specific Budget Cuts

Public-Private Long-Term Care Insurance Plans will have a tremendously positive impact on state budgets if we educate employers to offer it now to all employees to decrease cuts in other services like you see here.

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Dec 09

States Continue to Feel Recession’s Impact

By Elizabeth McNichol, Phil Oliff, and Nicholas Johnson

The worst recession since the 1930s has caused the steepest decline in state tax receipts on record. State tax collections, adjusted for inflation, are now 12 percent below pre-recession levels, while the need for state-funded services has not declined. As a result, even after making very deep spending cuts over the last two years, states continue to face large budget gaps.

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Nov 05

An Update on State Budget Cuts

By Nicholas Johnson, Phil Oliff, and Erica Williams

With tax revenue still declining as a result of the recession and budget reserves largely drained, the vast majority of states have made spending cuts that hurt families and reduce necessary services. These cuts, in turn, have deepened states’ economic problems because families and businesses have less to spend.

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