Author Archives: ACSIA Partners LLC

Caregivers Will Be Honored as ‘Saints’ in New Orleans ‘Gift Bag Assembly’ Event, Organized by ACSIA Partners

NEW ORLEANS, La. /ScoopCloud/ -- While the New Orleans Saints give their all on the football field, caregivers give their all in sickrooms, bedrooms, and care centers. They are also "saints." They will be honored for their devotion in a "Caregiver Gift Bag Assembly & Giveaway" event, 4 to 5 p.m. on Saturday, January 19, at Sheraton New Orleans Hotel, New Orleans. Organized by ACSIA Partners, the event will include representatives from a dozen care-related organizations.

During the event, the representatives will participate in a hands-on project while mingling with their peers. They will fill 300 care bags with items ranging from hand sanitizer and tissues to snacks and reading matter.

"The idea is to provide pick-up-and-go items caregivers might need in an emergency," says Denise Gott, CEO of ACSIA Partners, the national long-term care insurance agency. "Just as important, we want to let caregivers know someone is thinking of them and appreciates them."

Also included in the event will be uplifting talks on the importance of caregiving, by three leaders of care organizations:
* Liezette Felicione, Corporate Director of Business Development, Brookdale Senior Living: "Those who care for loved ones often sacrifice their own needs. The items in these bags will provide comfort, hope, and a little rejuvenation."

* John Schall, CEO, Caregiver Action Network: "In the past, we have provided gift bags to thousands of family caregivers ... and they're really thankful. One woman said she had to take her husband to the hospital twice, and the items were a life-saver."

* Tafa Jefferson, CEO, Amada Senior Care: "Caregivers tending to the homebound and those in community settings should be heralded as heroes. In many cases they have no voice, and should be recognized for their noble calling. We're proud to play a small role in recognizing these amazing individuals."

At the end of the event, 250 bags will be presented to Kingsley Adult Day Care of New Orleans, for them to distribute within their services. The center provides seniors and medically fragile adults with a hospitable and comfortable environment (up to 8 hours each week day) while caregivers take care of their responsibilities. The gift bags will acknowledge the vital role the caregivers play.

The center's Director of Adult Services, Jessica Boykin, will be on hand to say a few words and accept the bags.

The rest of the bags will be presented to Care Action Network of Washington, D.C., for selective distribution nationally.

Items for the gift bags will be provided by Mutual of Omaha, Transamerica, OneAmerica, Genworth, LifeSecure, Brighthouse Financial, Amada Senior Care, and Securian Financial. Representatives from these organizations will attend to present their donations.

Members of the media are invited.

About ACSIA Partners LLC:

ACSIA is one of America's largest and most experienced long-term care insurance agencies serving all states. More than 100 of their agents and staff will be on hand to support the gift bag effort.

Learn more at: https://www.acsiapartners.com/.

While the New Orleans Saints give their all on the football field, caregivers give their all in sickrooms, bedrooms, and care centers. They are also "saints." They will be honored for their devotion in a "Caregiver Gift Bag Assembly & Giveaway" event, 4 to 5 p.m. on Saturday, January 19, at Sheraton New Orleans Hotel, New Orleans. Organized by ACSIA Partners, the event will include representatives from a dozen care-related organizations.

Related link: https://www.acsiapartners.com/

A Prime Time to Plan for Long-Term Care Is After Arranging It for Someone Else, says ACSIA Partners

KIRKLAND, Wash. /ScoopCloud/ -- Have you been called upon to arrange care for an aging parent or other loved one? If so, "it can be a blessing in disguise," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. "It can inspire you to plan ahead for your own care, without delay."

"In our experience," Gott says, "most Americans plan for their own care late in the game, when affordable insurance is no longer an option. But it doesn't have to be that way."

According to industry estimates, only about 10 percent of those who could benefit from LTC insurance have policies. Why? "The main reason is that busy younger people are preoccupied with family and career. Their future care needs just aren't a priority, so they put off thinking about it," Gott explains.

However, when they're called upon to plan care for someone else, they're forced to think about it. "The experience can be eye-opening and motivational. At a visceral level, they see and feel the need to plan for themselves. The trick is to act before the feeling fades."

Helping someone else secure long-term care generally happens in one's 40's, 50's or 60's, an opportune time for appreciating two vital facts:

(1) The majority of older people eventually need help with basic tasks of everyday existence. These include "activities of daily living" (ADLs) such as bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence, and eating.

And these tasks also include "instrumental activities of daily living" (IADLs) such as housework, managing money, taking medication, preparing and cleaning up after meals, shopping for groceries or clothes, using the telephone or other communication devices, caring for pets, and responding to emergency alerts such as fire alarms.

(2) Care options and costs vary widely. Long-term care may be supplied by family members and/or paid professionals. Family members generally charge nothing, but if helping out impacts their jobs, their lost income may run into the tens of thousands.

Care services supplied by professionals fall into four main categories (average national costs per year shown in parentheses):
* Adult day health care ($17,680),
* Home health care ($45,760),
* Assisted living facility care ($43,539), and
* Nursing home care ($82,125 for semi-private room).
(Data from the Genworth Cost of Care Survey.)

"When you help Mom or Dad get care, these facts become crystal clear," says Gott. "You see what a difference early action can make."

LTC insurance or another funding instrument can -
* Assure you're protected at a lower rate than older, less healthy applicants.
* Protect your retirement assets.
* Give you greater control over your lifestyle when receiving care (staying in your own home versus a facility, for example).
* Put less of a burden on family members.

"We have state-certified agents throughout the U.S.," says Gott. "They are glad to walk anyone through these options, in person or by phone."

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states.

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Have you been called upon to arrange care for an aging parent or other loved one? If so, "it can be a blessing in disguise," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. "It can inspire you to plan ahead for your own care, without delay."

Related link: https://www.acsiapartners.com/

Longevity Alert: As America Ages, Long-Term Care Costs Could Overwhelm Most Families, say ACSIA Partners

KIRKLAND, Wash. /ScoopCloud/ -- The number of Americans age 65 and older is on track to double -- from 46 million now to over 98 million in 2060, when today's 20-somethings will be turning 65. At that time the 65-plus age group's share of the population will have jumped to 24-percent from 15-percent today. "Think of it," says Denise Gott, CEO of ACSIA Partners, "one in four of us will be in the older group, at high risk of needing long-term care."

The concerning statistics are from "Aging in the United States," a study published by the Population Reference Bureau (PRB).

The proliferation of older Americans places a big burden right now on all breadwinners in their prime productive years (20 through 65), Gott asserts. According to the PRB, by 2030 there will be only 2.8 working-age adults for every person 65 and older, down from 5.0 in 2000.

Because of this, today's working-age citizens, now building our economy and their own economic futures, will be hit by a double-whammy, according to Gott.

The first part of the double-whammy has to do with one's aging parents. According to the U.S. Department of Health and Human services, almost three in four aging Americans will need some form of long-term care after 65. "For a working couple with two sets of parents, the odds of financial impact are very high," says Gott, "if any of the parents lacks the resources for their own care."

The second part of the double-whammy is that the younger couple may need long-term care services themselves at some point. "After dealing with mom and dad, they'll need to be ready to care for one another; or to pay professionals to do it."

Long-term care services can be expensive, costing from tens of thousands to $100,000, $200,000 or even more per year, depending on location, type of services, and type of claim. Multiply that by the number of family members needing care, and the cost can become prohibitive.

But the financial impact extends beyond care costs. It often involves income loss from interrupted employment as well. According to a study by the MetLife Mature Market Institute, America's 10 million employed caregivers face $3 trillion in lifetime losses for missed pay, pensions, and social security. That amounts to $304,000 per worker (typically the female half of a young couple).

"Long-term care has always been expensive and a key cause of impoverishment in one's later years," says Gott. "As America ages, the cost challenge promises to increase."

What can be done about it?

"Forward-looking public policy would help," says Gott. "But there's plenty people can do on their own."

"The key is to develop a long-term care plan," Gott continues. "It's especially important for today's younger, productive couples. It's the only way to control costs and head off avoidable threats to one's income, assets, lifestyle, and future."

Long-term care planning can be done independently but Gott recommends consulting a licensed specialist. "The process is emotional and the options and pitfalls are vast. You need a calm, collected professional to hold your hand."

ACSIA Partners has hundreds of state-certified long-term care specialists in all parts of the country. "They're glad to talk with consumers and business executives about any and all care-related concerns and actions, financial and otherwise," says Gott. Specialists develop group plans for employers as well as individual plans for families.

ACSIA Partners LLC -- https://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*LOGO for media: Send2Press.com/300dpi/17-0814-ACSIA-Partners-300dpi.jpg

The number of Americans age 65 and older is on track to double -- from 46 million now to over 98 million in 2060, when today's 20-somethings will be turning 65. At that time the 65-plus age group's share of the population will have jumped to 24-percent from 15-percent today. "Think of it," says Denise Gott, CEO of ACSIA Partners, "one in four of us will be in the older group, at high risk of needing long-term care."

Related link: https://www.acsiapartners.com/

It’s Easier to Plan for Long-Term Care if We Face Our Personal Concerns First, says ACSIA Partners

KIRKLAND, Wash. /ScoopCloud/ -- Last year the U.S. Department of Health & Human Services issued a report about Americans' concerns and actions related to long-term care (LTC), also referred to as long-term services and supports (LTSS). "The main takeaway was not the particulars of the responses, in our view," says Denise Gott, CEO of ACSIA Partners. "It was the fact that participants considered and faced the issues."

In the HHS survey, 15,298 non-institutionalized Americans aged 40-70, a statistically-significant sample of the age group, answered seven questions about long-term care personal concerns and ten questions about long-term care actions.

CONCERNS: What is your degree of concern about:
1. Losing independence
2. Being a burden on your family
3. Losing control and choice over LTC you might need
4. Being unable to afford high-quality care
5. Using up savings/income to pay for nursing home care/services
6. Becoming poor and having to rely on Medicaid
7. Being unable to depend on family/friends for care.

ACTIONS: What is your degree of willingness to:
1. Have family/friend move in
2. Move in with children/family/friend
3. Rely on spouse/family/friend
4. Attend adult day care
5. Hire aide or agency for care
6. Hire live-in caregiver
7. Move into assisted living facility
8. Move into nursing home
9. Make modifications to home
10. Use value in home to pay for care.

Key Findings:
* More than 75% of respondents said they had at least five of the seven personal concerns.
* High on the list were losing independence and being unable to depend on family or friends for care.
* Personal concerns varied little by wealth or age.
* Of the ten actions, most respondents expressed willingness to modify their homes or have a family member or friend move in.
* But fewer than 50% were willing to move in with family/friends or use the value in their home to pay for care.
* The wealthier respondents were more willing to take actions that cost money, such as secure long-term care insurance or tap savings to pay for in-home care.

The report concludes, "These findings highlight the need for increased education on the ... choices and financing options."

Gott agrees, and believes the survey itself opened the eyes of the 15,298 participants, "by provoking introspection and analysis."

"All Americans would benefit from considering such questions," Gott adds. "First the personal concerns, which are often hidden, then the action options."

ACSIA Partners has hundreds of long-term care specialists in all parts of the country. "Part of their job is to ask the right questions and invoke the right thinking," says Gott. "They're glad to talk with consumers and business executives about any and all care-related concerns and actions, financial and otherwise."

ACSIA Partners LLC -- https://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

The HHS report is available at https://aspe.hhs.gov/system/files/pdf/255356/LTSSconcern-IB.pdf. NOTE: The report uses the term "long-term services and supports" (LTSS) in place of "long-term care" (LTC).

*ACSIA LOGO: Send2Press.com/mediaboom/16-0421-ACSIA-Partners-300dpi.jpg

Last year the U.S. Department of Health & Human Services issued a report about Americans' concerns and actions related to long-term care (LTC), also referred to as long-term services and supports (LTSS). "The main takeaway was not the particulars of the responses, in our view," says Denise Gott, CEO of ACSIA Partners. "It was the fact that participants considered and faced the issues."

Related link: https://www.acsiapartners.com/

Most Americans Aren’t Going for Long-Term Care Insurance, ‘But They Will, Where They Work,’ says James Dettman of ACSIA Partners

KIRKLAND, Wash. /ScoopCloud/ -- James Dettman, a veteran of the insurance and employee benefits industries, has joined ACSIA Partners, one of America's largest long-term care insurance agencies. He will serve as one of four Worksite Sales Directors.

So?

He's a man with a mission. Like David with a glint in his eye, he's aiming to help bring down an American Goliath, our looming long-term care crisis.

"Nearly three in four Americans over 65 will need long-term care at some point," he says, quoting the U.S. Department of Health and Human Services. "So virtually all families will be affected. Somebody will probably need care. If not Dad, Mom; if not you, your spouse."

"This is a very big deal," he asserts, because --
* Long-term care can eat into retirement savings, costing from tens of thousands to $100,000, $200,000 or even more per year, depending on location, type of services, and type of claim.
* Family members may be forced into caregiving, disrupting their lives and affecting their ability to earn a living and protect their livelihood.
* Companies suffer, too. They report reduced productivity when employees worry about loved ones needing care.

"Long-term care insurance is the answer," Dettman asserts, "but most consumers aren't buying it. No problem. We just need to start offering it more aggressively through another channel, the workplace."

He points to key advantages over policies sold directly to consumers:
* Group rates are generally lower,
* Health screening is relaxed, and
* Family members can be included.

ACSIA Partners is a pioneer in worksite LTC with a successful team in place, and that's why Dettman joined them, he says. "I'm here to help them take it to the next level."

The potential is very large. According to the American Association for Long-Term Care Insurance, only 10 million or so Americans have bought long-term care insurance; and only a fraction have gotten it at their place of work.

By contrast, over 270 million have health insurance, and a majority, 155 million, have it through their employer, according to the Urban Institute.

"We need to go with what's working," says Dettman. "If we follow the lead of health insurance, within a few years up to 155 million can have easy access to LTC protection through their jobs," he says. "We'll have multiplied the business 15 times over, and more important, released a flood of economic and personal vitality."

To get the ball rolling, Dettman and colleagues are seeking alliances with benefit brokers, insurance brokers, consultants, human resource managers, executives and association directors. "Our focus is to help deliver financial savings strategies for employees and employers alike," he says.

For over 20 years, James Dettman has held sales, sales management, and sales consultant positions in the insurance and employee benefits fields, winning many promotions and setting sales records.

He has been a member of the National Association of Health Underwriters (NAHU) since 1997, serving on the Board of Directors for his local association and twice as President for two different Chapters. He is also a Lifetime Qualifier for the Leading Producers Round Table (LPRT).

He will serve alongside fellow Worksite Sales Directors Dan Cahn, Ed Jette, and Mario Sestito, "a crack team leading the charge toward universal LTC protection," according to Dettman.

ACSIA Partners LLC is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

Dettman and colleagues may be reached at the following numbers:
* James Dettman: (901) 301-7421
* Dan Cahn: (425) 284-2148
* Ed Jette: (508) 981-6261
* Mario Sestito: (518) 817-3446

*PHOTO for Media: Send2Press.com/mediaboom/17-0619s2p-Dettman-300dpi.jpg
*Photo Caption: James Dettman, Worksite Sales Director for ACSIA Partners, with graph showing big potential for LTC insurance.

James Dettman, a veteran of the insurance and employee benefits industries, has joined ACSIA Partners, one of America's largest long-term care insurance agencies. He will serve as one of four Worksite Sales Directors.

Related link: https://www.acsiapartners.com/

ACSIA Partners Offers Decision Funnel for Quick and Easy Long-Term Care Choices

KIRKLAND, Wash. /ScoopCloud/ -- Many Americans spend hours investigating long-term care options online, only to come away confused and dispirited. Now there's another way to go. It's a by-phone Decision Funnel designed to cut through the complexity. Offered by ACSIA Partners, the service will be delivered by real human specialists, not phone robots.

Available in all states, the specialists are licensed long-term care agents trained to cut through the confusion, make choices clear, and leave it at that. ACSIA Partners is one of the nation's largest long-term care insurance agencies.

Going quickly down the Decision Funnel, "Our specialists will be in educator mode, not sales mode," says Denise Gott, the company's CEO. "They will quickly determine whether LTC protection is called for, and if it is, what kind might make sense. Then the call will end, often in just minutes."

If information about specific financial instruments is desired, it may be supplied on a subsequent call, according to Gott.

Depending on individual needs and financial circumstances, the instruments may be:
* Traditional long-term care insurance
* A variety of products offering long-term care riders
* Savings, such as a tax-advantaged Health Savings Account.

The by-phone Decision Funnel sessions are available in all states for consumers, financial advisors on behalf of their clients, and companies exploring LTC protection for their employees.

Decision Funnel sessions may be requested at (866) 471-4072.

About ACSIA Partners:

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*IMAGE for media: Send2Press.com/mediaboom/17-0531s2p-acsia-funnel-300dpi.jpg
*Image Caption: Decision Funnel service from ACSIA Partners.

Many Americans spend hours investigating long-term care options online, only to come away confused and dispirited. Now there's another way to go. It's a by-phone Decision Funnel designed to cut through the complexity. Offered by ACSIA Partners, the service will be delivered by real human specialists, not phone robots.

Be Alert for a Job Offer You Can’t Refuse: ‘Unpaid Caregiver,’ Warns Long-Term Care Leader ACSIA Partners

KIRKLAND, Wash. /ScoopCloud/ -- "America faces a senior health crisis that is also an employment crisis," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.

In most U.S. households an out-of-the-blue "job offer" will suddenly appear.
* Urgently needed: caregiver.
* Duties: look after an aging family member 24/7.
* Pay: zero.

"This can be disruptive," says Gott, "but with good planning, it needn't be."

The demand for senior caregiving is huge. About 70% of those over 65 will need help with the activities of daily living at some point, according to the U.S. Department of Health and Human Services. "These activities are basic tasks we normally take for granted," says Gott. "Things like eating, moving around, bathing, and toileting."

In families with two or more seniors, the odds approach 100% that at least one will need caregiving services sooner or later. That creates millions of caregiving "jobs." Most go to unpaid family members or friends, and their ranks are legion.

According to the Bureau of Labor Statistics, over 40 million unpaid caregivers currently look after adults ages 65 and older. That's more than a quarter of the entire U.S. workforce. And new caregivers enter the ranks every year.

When these services are extensive, the toll on the caregiver can be great. According to a 2015 report from the National Alliance for Caregiving and AARP, heavy-duty caregivers (who often perform medical or nursing tasks without preparation) reported negative effects. A majority, 63%, said the intense caregiving made their own health worse.

"And when full-time caregiving also leads to quitting your job or reducing your work hours," says Gott, "financial stresses make matters worse."

When volunteer caregiving is more limited, it can be a different story. "The extent of caregiving seems key," observes Gott. "It would appear that some caregiving is OK and even enriching." She points to a Pew Research study revealing that most caregivers found caring for an older loved one rewarding.

"The right balance is vital," says Gott. "Supplying some care personally, and hiring professionals to supply the rest."

Appropriate services for family members include companionship; emotional support; handling paperwork such as paying bills; and assisting with some, but not all, activities of daily living.

Appropriate services for professionals include monitoring the loved-one during working hours; helping with activities of daily living when family cannot be present; and any assistance requiring medical or nursing skill.

To be in a position to pay for professional caregiving, Gott's organization recommends five options:
* Long-term care insurance
* Critical illness insurance
* Life insurance (with LTC rider)
* An annuity (with LTC rider)
* Savings, such as a tax-advantaged Health Savings Account.

"Our advisors are glad to walk anyone through these options, in person or by phone," says Gott.

About ACSIA Partners:

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

"America faces a senior health crisis that is also an employment crisis," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. In most U.S. households an out-of-the-blue "job offer" will suddenly appear.

It’s Tax Time, and Millions Could Miss Sizeable Deductions for Long-Term Care Insurance, ACSIA Partners Says

KIRKLAND, Wash. /ScoopCloud/ -- If you're considering long-term care insurance, or already have a policy, "Tax time is a good time to look for help from Uncle Sam," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. "And the help you get could be more than negligible."

Possible deductions range from hundreds to thousands of dollars per year, Gott points out. "Millions may qualify, but will lose out if they fail to apply."

For the taxable year beginning in 2016, the limitations under Section 213(d)(10) of the IRS tax code, regarding eligible long-term care premiums includible in the term "medical care," are as follows:

Attained Age Before Close of 2016 Taxable Year / Limitation on Premiums:
* 40 or less: $390
* More than 40 but not more than 50: $730
* More than 50 but not more than 60 $1,460
* More than 60 but not more than 70: $3,900
* More than 70: $4,870

"If you're covered now," says Gott, "you should be sure to claim what's coming to you. And if you're considering a policy, why not get it while tax savings are on your mind?"

For 2017 the limitations are about 5% higher than in 2016:

Attained Age Before Close of 2017 Taxable Year / Limitation on Premiums:
* 40 or less: $410
* More than 40 but not more than 50: $770
* More than 50 but not more than 60 $1,530
* More than 60 but not more than 70: $4,090
* More than 70: $5,110

"The limits have been increasing every year," says Gott. "What's more, they apply to every covered individual in a household. For example, a qualifying husband and wife filing jointly could deduct up to $7,800 for 2016, and up to $10,220 for 2017; and so on for as long as the legislation remains in force."

The original idea was to encourage Americans to protect themselves, according to Gott, "and we believe the Trump administration will support this philosophy going forward."

ACSIA Partners has hundreds of long-term care specialists in all parts of the country. "During tax season," says Gott, "they're glad to talk with consumers and financial advisors about policy costs and tax adjustments. They do not give tax advice, but can help explain the tax incentives. For tax advice, people need to consult their tax professional."

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

If you're considering long-term care insurance, or already have a policy, "Tax time is a good time to look for help from Uncle Sam," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. "And the help you get could be more than negligible."

Long-Term Care Leader ACSIA Partners Raises $15,220 to Help ‘Kill the Wicked Witch of Alzheimer’s’

SEATTLE, Wash. /ScoopCloud/ -- A colorful event brightened a long-term care convention on January 14 at the Sheraton Seattle Hotel. Over 100 participants wore purple capes as "wizards" to help "kill the wicked witch of Alzheimer's," the mind-robbing disease that afflicts millions. Their company, ACSIA Partners, is one of America's largest long-term care insurance agencies.

The gala gathering raised $15,220 for the Alzheimer's Association, which supports research and services to combat Alzheimer's disease and other dementias.

This is the second year that ACSIA Partners has supported the Alzheimer's Association. They raised a similar amount last year at their conference in Austin, Texas.

Why is the company so concerned with Alzheimer's?

"It's one of the biggest reasons people need long-term care," says Denise Gott, CEO. "According to the Society of Actuaries, about 25 percent of LTC insurance claims are due to the disease. And one in nine Americans age 65 and older are afflicted, according to the Alzheimer's Association. And the rate jumps to one in three for those 85 and older. That's huge."

This puts a big burden on American households. "Families must be prepared to care for those who, for mental reasons, can no longer care for themselves," Gott points out. "It's a serious national issue."

"We're proud to contribute to the Alzheimer's Association," says Gott. "We're also glad we can make a difference directly, through our company's services."

When the disease advances, a loved one may forget where they are or when to eat, or have trouble going to the bathroom, Gott points out. "Family members must care for them personally unless a long-term care financial solution is in place -- some way of paying for professional caregiving."

A sound plan can ease the burden, which can include lifestyle stresses and diminished earning capacity.

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*Image for Media: Send2Press.com/mediaboom/17-0109-alz-wizard-300dpi.jpg
*Image Caption: "Wizards of Alzheimer's" logo.

A colorful event brightened a long-term care convention on January 14 at the Sheraton Seattle Hotel. Over 100 participants wore purple capes as "wizards" to help "kill the wicked witch of Alzheimer's," the mind-robbing disease that afflicts millions. Their company, ACSIA Partners, is one of America's largest long-term care insurance agencies.

Long-Term Care Leader ACSIA Partners Will Help ‘Kill the Wicked Witch of Alzheimer’s’

SEATTLE, Wash. /ScoopCloud/ -- For the second year in a row, ACSIA Partners, a national long-term care insurance agency based in Kirkland, Wash., will join the fight against Alzheimer's disease. As part of its three-day annual conference, the company will host a fundraiser on behalf of the Alzheimer's Association, which seeks a cure for the debilitating disease.

The gala event, on January 14, will be held at the Sheraton Seattle Hotel. The company has hundreds of agents nationwide, all invited to the conference. Those attending the gala will don purple capes as "Wizards of Alzheimer's" to highlight the need to "kill the wicked witch." Media representatives are welcome.

Last year, the company raised thousands of dollars for the Alzheimer's Association. "We aim to raise thousands again this year," says Denise Gott, CEO.

Why the company's interest in Alzheimer's?

"It's simple," says Gott. "The disease has become a leading reason care is needed."

* About one in four long-term care insurance claims are due to Alzheimer's, according to the Society of Actuaries.

* Alzheimer's or another form of dementia afflicts one in nine Americans age 65 and older, and one in three age 85 and older, according to the Alzheimer's Association.

"It's a real threat to most families," says Gott. "At some point Alzheimer's sufferers may need help eating, moving around, or going to the bathroom. Unless their loved ones are prepared to help them do such things, they need savings or insurance to hire professionals. Our mission is to educate Americans about their options."

"Eventually," Gott adds, "we'd like to knock the disease stone dead. In the meantime, we can help people live better lives in spite of it."

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*Image for Media: Send2Press.com/mediaboom/17-0109-alz-wizard-300dpi.jpg

*Image Caption: "Wizards of Alzheimer's" logo.

For the second year in a row, ACSIA Partners, a national long-term care insurance agency based in Kirkland, Wash., will join the fight against Alzheimer's disease. As part of its three-day annual conference, the company will host a fundraiser on behalf of the Alzheimer's Association, which seeks a cure for the debilitating disease.

Long-Term Care Insurance Is a Gift for the Whole Family, ACSIA Partners Says

KIRKLAND, Wash. /ScoopCloud/ -- If you want to brighten the lives of everyone in your family, "Consider the gift of long-term care insurance," says Denise Gott, CEO of ACSIA Partners, a leader in long-term care planning.

"Whether you get the policy for yourself or for aging parents, it's really a gift for everyone," Gott asserts.

"Different family members benefit in different ways at different times," she says, "but everyone stands to benefit overall." For example:

* If you get a policy for yourself or spouse, you protect your assets and the future of your entire extended family. "With money available to pay for care," says Gott, "your savings and property won't be as vulnerable to unexpected care costs. And you may avoid relying on your children or other relatives to pay for your care." This knowledge alone can ease tensions and make the holiday season more pleasant, Gott points out.

* If you get a policy for aging parents, everyone benefits, not just them. "Your parents may live the rest of their lives with greater security and less fear," says Gott, "but you may also benefit. You guard against sudden, large care expenses down the pike, which could be disruptive. And you gain more control over your own future." For example, she explains, there's less likelihood you or your spouse will have to leave a job to provide care personally.

* Your children stand to benefit, too. With care expenses made more manageable through planning, educational plans can be made with greater certainty. "It's less likely you'll ever have to choose between tuition for your kids and care for your parents or spouse," says Gott.

* Added reward from Uncle Sam. A portion of long-term care premiums may be deducted on federal income tax returns. Tax deductions or credits are also available in many states. "It's like a gift, a nice incentive, and it keeps recurring," says Gott. "You can set yourself up for 2016 and every year after."

"Long-term care insurance is truly a gift that keeps on giving," says Gott. "You'll have less to worry about this holiday season, and every holiday season from here on. You can relax and enjoy the festivities and one another."

Shopping for long-term care insurance is made easy on the ACSIA Partners website: http://www.acsiapartners.com/.

Visitors may explore a range of affordable long-term care planning options including critical illness insurance, annuities, and life insurance with LTC riders as well as traditional LTC insurance. By-phone or face-to-face meetings with local agents are also available.

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance solution agencies. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

If you want to brighten the lives of everyone in your family, "Consider the gift of long-term care insurance," says Denise Gott, CEO of ACSIA Partners, a leader in long-term care planning. "Whether you get the policy for yourself or for aging parents, it's really a gift for everyone."

ACSIA Partners Seeks 150 New Agents to Serve Growing Segments of Its Long-Term Care Planning Business

KIRKLAND, Wash. /ScoopCloud/ -- The long-term care insurance market seems to be in turmoil thanks to rate increases, waning consumer demand, and carriers exiting the business. Pessimism prevails, but not for ACSIA Partners, one of America's largest long-term care insurance agencies. The company is quite bullish, in fact. "We're looking for 150 new agents," says Denise Gott, CEO. "We need them right now to handle current need and projected demand." What's going on?

The company is not immune to the industry turmoil. "Our traditional business, individual LTC insurance, has temporarily levelled off," she says, "but it's still substantial and continuing; and two new segments are surging: hybrid care solutions and worksite plans."

Hybrid solutions are annuities or life insurance policies with long-term care riders. They are based on tangible assets that may be tapped to pay for care when needed. This has several advantages that make them attractive buys:
* Premiums can never increase.
* Benefits cannot change.
* Funds not used for long-term care go to beneficiaries tax-free.

Also, "It's easy to add a care rider to instruments the client needs anyway, like a life policy or annuity," says Gott.

Worksite plans are group or multi-life plans that offer long-term care protection as an employee benefit. "They're in demand because they appeal to both the company and the employee," says Gott.
* The plans bolster employee effectiveness and earning power. In the absence of LTC plans, long term care issues cost American industry $29 billion annually in lost productivity, according to a study by the MetLife Mature Market Institute. And employees jeopardize their income when they have to assume care duties.
* The plans offer multiple tax benefits. Premiums can be 100% tax-deductible to a business. For employees, premiums are not considered income, and the benefits received are generally tax-free.
* Economies of scale simplify everything. For example, there is relaxed health screening; and group rates keep premium costs down.

"Advantages like these make worksite LTC a no-brainer," says Gott. "And we think it could become as common as group healthcare, which has become the norm for most employers."

"Overall, for businesses as well as families, the need for LTC solutions is enormous," says Gott. "That's why we're so bullish."

Also, Gott predicts that the traditional LTC insurance business will start growing again fairly soon. "There are products out there, already developed, but sitting on carriers' shelves because the near-zero interest rate environment makes them uneconomic. As soon as interest rates start going up again, it's a whole new ballgame."

"So we're looking for 150 senior solutions agents to join us in serving this large and growing market." Information for candidates is available at https://www.acsiapartners.com/career-center/.

For employers interested in group protection for their employees, information is available at https://www.acsiapartners.com/business-owners/.

Information for consumers is available at https://www.acsiapartners.com/consumers/.

About ACSIA Partners LLC:

ACSIA Partners LLC -- https://www.acsiapartners.com -- serves organizations as well as families in all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

The long-term care insurance market seems to be in turmoil thanks to rate increases, waning consumer demand, and carriers exiting the business. Pessimism prevails, but not for ACSIA Partners, one of America's largest long-term care insurance agencies.

Pick Your Long-Term Care Agent Carefully, Advises ACSIA Partners

KIRKLAND, Wash., May 9, 2016 (SEND2PRESS NEWSWIRE) -- The best way to buy long-term care insurance is through an independent agent, according to many experts. But agents vary. How do you pick a professional who is right for you? "We recommend asking six key questions," says Denise Gott, CEO of ACSIA Partners, one of America's largest long-term care insurance agencies.

The questions are:

1. Do you offer any solutions other than long-term care insurance? Today LTC insurance isn't the only way to cover long-term care expenses. Popular alternatives include critical illness insurance, annuities, and life insurance with LTC riders. "Unless you're absolutely sure LTC insurance is what you need," says Gott, "your best bet may be dealing with someone who offers other choices as well. For example, what if it turns out you don't qualify for LTC insurance?"

2. Where are you licensed? LTC agents must be certified by every state in which they conduct business. "Be sure you pick someone who's licensed and covers your area," Gott says. "Also, probe the scope of the agent's practice. Many of the more experienced agents are certified in two, three, or more states. Multiple state certifications may be a sign of a person's experience, but some single-state agents build very large clienteles close to home and may be equally experienced."

3. What insurance carriers do you represent? "If the agent mentions just one carrier, beware," says Gott. "Your best bet is someone who represents several companies offering a range of policy options. The idea is to compare alternative plans and find the one with the features you want at a cost you can afford."

4. Do you receive higher commissions on some LTC policies than on others? "The best answer is no," says Gott. "Some agencies, including ours, have a procedure for equalizing commission income. This ensures that agents get the same commission rate no matter what policy you buy. There's no temptation for them to push a high-profit item."

5. Can you advise me on tax breaks and other financial ramifications of long-term care insurance? "A qualified answer is best here," says Gott. "Experienced agents know about the relevant regulations, but don't pretend to be experts in tax law or estate planning. Instead, they defer to (and often work with) financial advisors, accountants, estate planners, and attorneys."

6. How can I learn more about you? "The aim of this question is to uncover the agent's reputation," says Gott. "Can they name professionals who recommend them? Have they been written up online or in the newspaper? Are they scheduled to speak at an upcoming event? Can they be found on the Internet? Can they give you references?"

Gott's organization has over 300 state-certified long-term care agents in all parts of the country. All are glad to answer the above questions and any others.

ACSIA Partners LLC -- http://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving families and organizations in all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

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Twitter: @AcsiaPartners #LongTermCare

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/pick-your-long-term-care-agent-carefully-advises-acsia-partners-2016-0509-02.shtml.

NEWS SOURCE ACSIA Partners LLC :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by and Copr. © 2016 Send2Press® Newswire, a service of Neotrope®.

Do-It-Yourself Long-Term Care Can Have High Hidden Costs, According to ACSIA Partners

KIRKLAND, Wash., April 21, 2016 (SEND2PRESS NEWSWIRE) -- Rate increases by some long-term care insurance carriers should not scare people off, according to Denise Gott. "Even if a particular policy's premium seems high," she says, "it may be a bargain compared to the alternative, family caregiving." Gott is CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.

"Family caregiving has three hidden costs, which can be significant," says Gott.

1. Lost Income. According to the Long Term Care Financing Collaborative, women in their 50s who leave their jobs to care for aging parents lose $300,000 in lifetime income, on average.

Losses can vary. For example, at age 57 Amy left an $85,000-a-year job to care for her father at home for three years. That's $255,000 in lost salary plus thousands more in lost Social Security benefits. In addition, during those three "idle" years, Amy may have become less employable, losing out on tens to hundreds of thousands more.

2. Increased Health Risks. Family caregivers often expose themselves to injury and illness from the physical stresses of handling a loved one, and from the psychological stresses of tending them endlessly. A recent study by the Alzheimer's Association found that family caregivers are 28 percent more likely to go hungry or eat less. Twenty percent said they sacrificed their own medical care by cutting down on doctor's visits.

In a study by the Center on Aging, 10 percent of caregivers said their own health declined due to their efforts. This translated into higher healthcare costs for them, and was especially acute for those who lost their health insurance when they left their jobs.

3. Lost Retirement Assets and Less Investment in the Family. In the Alzheimer's Association study, 13 percent of caregivers said they tapped their savings or retirement assets to help provide care, and many sold personal items such as a car. Eleven percent said they cut back on their children's education.

In a study by the National Alliance for Caregiving and Evercare, 47 percent of working caregivers reported using up all or most of their savings while giving care.

What's the current cost of insurance? According to the American Association for Long-Term Care Insurance, typical policies range from $960 to $2,035 per year for a male age 55; and from $960 to $2,580 per year for a female age 55.

"This may not seem out of line compared to do-it-yourself care," says Gott, "especially if professional care is also needed as the loved one deteriorates." The annual median cost of a semi-private room in a nursing home is $80,300, according to Genworth Financial, Inc.

According to the U.S. Department of Health and Human Services, nearly 70 percent of those 65 or older will need long-term care at some point; and the federal government recommends long-term care insurance for those who can afford it.

Gott agrees. "LTC insurance can provide valuable protection, but it's not for everyone," she says. "Wealthy individuals can self-insure. And those without means may qualify for long-term care from Medicaid." (Medicare does not cover most long-term care services, contrary to common belief.)

"Those who could benefit from LTC insurance owe it to themselves to look into the costs and benefits," she advises. "It only takes a minute to get started. Just go to our website and request a quote. You may also talk with an expert." Her organization has over 300 long-term care specialists in all parts of the country.

About ACSIA Partners:

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving families and organizations in all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*LOGO for media: Send2Press.com/mediaboom/16-0421-ACSIA-Partners-300dpi.jpg

Twitter: @AcsiaPartners #LongTermCare

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/do-it-yourself-long-term-care-can-have-high-hidden-costs-according-to-acsia-partners-2016-0421-01.shtml.

Tax Tip from ACSIA Partners: 2016 Deductions Make Long-Term Care Insurance More Affordable for Many

KIRKLAND, Wash., March 17, 2016 (SEND2PRESSS NEWSWIRE) -- If you're in the market for long-term care insurance, you may be suffering from sticker shock. "The cost may seem out of reach," says Denise Gott. "Many people feel this way, so they put off protecting themselves. That's a shame, because in their case, Uncle Sam may pick up part of the tab." Gott is CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.

Federal tax deductions for owning long-term care insurance range from a few hundred to a few thousand dollars, and they're higher than ever in 2016. "Not everyone qualifies," says Gott, "but everyone owes it to themselves to find out if they do and how big the deduction might be. For millions, the net policy cost will be at least a little less than the 'sticker price.'"

For the taxable year beginning in 2016, the limitations under Section 213(d)(10) of the IRS tax code, regarding eligible long-term care premiums includible in the term "medical care," are as follows:

Attained Age Before Close of Taxable Year / Limitation on Premiums:
* 40 or less: $390
* More than 40 but not more than 50: $730
* More than 50 but not more than 60 $1,460
* More than 60 but not more than 70: $3,900
* More than 70: $4,870.

The deductions recur every year that one pays long-term care premiums, and have been increasing annually.

"The idea is to encourage Americans to protect themselves," says Gott. "Unfortunately only about 10 percent of those who could benefit from a policy actually have one. The percentage should be much higher. We think it would be if the deductions were taken into account."

Greater public awareness is vitally needed, and Gott's company is doing what it can to spread the word. "We have over 150 long-term care specialists in all parts of the country. During tax season they're available to consult with anyone or their financial advisor by phone or in person."

About ACSIA Partners:

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

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Twitter: @AcsiaPartners #LongTermCare

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/tax-tip-from-acsia-partners-2016-deductions-make-long-term-care-insurance-more-affordable-for-many-2016-0317-01.shtml.

ACSIA Partners Alerts Americans to Plan for Alzheimer’s Long-Term Care Before It’s Needed

KIRKLAND, Wash., Feb. 24, 2016 (SEND2PRESS NEWSWIRE) -- Today ACSIA Partners, a national distributor of long-term care insurance and education, recommends preemptive action against the impact of Alzheimer's disease and other forms of dementia. "Cognitive decline is a big and growing reason Americans need long-term care," says Denise Gott, CEO, "and the best time to plan for it is before symptoms arise."

"Think of it this way," she explains. "If you're worried about your house burning down, you wouldn't wait for smoke and flames before getting fire insurance or removing fire hazards."

When it comes to Alzheimer's, most Americans fail to appreciate its danger and avail themselves of sensible precautions, according to Gott. She offers these three guidelines:

1. Recognize the size of the problem. The Alzheimer's Association reports that one in three seniors dies with Alzheimer's disease or another form of dementia. Five million Americans are living with Alzheimer's, and the number is expected to triple as millions of Baby Boomers enter their retirement years.

"Alzheimer's is a progressive and fatal disease," says Gott. "Over time, more and more longer-living Americans may lose the ability to care for themselves. Millions will need long-term care."

And they may need it for an extended period. "Many dementia victims require LTC for seven to ten years or more," she says, "while others typically need care for about three years."

2. Determine whether insurance is the right option. Medicare does not cover many services that are needed by people living with dementia.

Medicaid does provide substantial help, but only for those lacking the financial means to help themselves. If you fall into this category, public assistance may be your best bet.

Otherwise, providing care is up to you. If you're very wealthy, you may choose to self-insure. If you're not rich but doing OK, private insurance may be your best option. "An LTC policy lets productive family members keep on with their jobs and lives," says Gott. "Nobody has to become default caregiver, a role usually filled by a wife, daughter, or other female relative."

3. If LTC insurance makes sense for you, consult with a dementia-aware advisor. LTC agents are state-certified, but there's no legal requirement they know anything about dementia. So it's up to you to pick one who does.

Such an agent can answer questions such as, "How many years of care should my policy cover?" and "What mental or physical disabilities trigger benefits?"

A dementia-aware agent can also help you explore appropriate benefit options available in a wide range of policies from multiple competing carriers.

Gott and her colleagues also support efforts to promote brain health and research to find future treatments for dementia. In January they hosted "Wiggin' Out for Alzheimer's," a gala event in Austin that raised $19,000 for the Alzheimer's Association. Individual ACSIA agents contributed $3,700; CEO Gott matched that with another $3,700; ASCIA Partners as a company contributed $8,000; and the rest came from carriers that ACSIA represents.

"We invite people everywhere to join us in supporting the Alzheimer's Association," says Gott. They may do so here: http://www.alz.org .

"Every amount, large or small, makes a difference," says Gott. "Together we can beat Alzheimer's, just as we beat other diseases once thought incurable, such as smallpox, polio, and TB."

"And in the meantime, we can make our lives better through prudent care planning and healthy lifestyles."

About ACSIA Partners:

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

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Twitter: @AcsiaPartners @alzassociation

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/acsia-partners-alerts-americans-to-plan-for-alzheimers-long-term-care-before-its-needed-2016-0224-02.shtml.

Austin ‘Wiggin’ Out’ Event Raises Awareness and Dollars to Help Fight Alzheimer’s Disease

AUSTIN, Texas, Jan. 20, 2016 (SEND2PRESS NEWSWIRE) -- Wearing smiles and purple wigs, a gathering of normally serious professionals mingled festively in "Wiggin' Out," a fundraising event held at Maggie Mae's in Austin, Texas, Saturday evening, January 16. "We achieved two objectives," says Denise Gott, CEO of ACSIA Partners, hosts of the event. "First, we raised some money to help fight Alzheimer's. And second, we raised awareness of the growing need for long-term care as the disease progresses."

The event raised $19,000, which will be donated to the Alzheimer's Association. The contributions were from participating insurance companies as well as ACSIA Partners, company agents, and the CEO.

The mind-robbing disease is a growing threat. Together with other forms of dementia, Alzheimer's afflicts one in nine American's age 65 and older; and one in three age 85 and older. At present it can't be prevented, cured, or even slowed, the association reports. So casualties could swell in the years ahead. From 2000 to 2013, death attributed to Alzheimer's increased 71 percent.

"At ACSIA Partners we're glad to support the vital work of finding a cure for Alzheimer's," says Gott. "We're also glad to make a difference for families right now. We can't do anything about the disease itself, other than donate, but we can help families plan for associated long-term care services, which can be substantial."

"As Alzheimer's progresses, people may forget to eat, or have trouble bathing or toileting," Gott explains. "Someone will have to help them, either a family member or paid professional. Planning for this can really help, personally as well as financially."

"Wiggin' Out" was attended by Hollywood actors, 150-plus company agents, and assorted guests. The event was part of a three-day ACSIA Partners conference that included keynotes by the co-producers of "It Snows All the Time" (a feature film about Alzheimer's), and breakout sessions on long-term care planning.

Co-producers Brett Cullen and Erich Hover also play lead roles in the film. Cullen is best known for starring roles in "Apollo 13," "The Dark Knight Rises," "42" and "The Guilt Trip" with Barbra Streisand. Hover had his first movie break acting alongside Brad Pitt and Philip Seymour Hoffman in "Moneyball." His experience with Alzheimer's in his family motivated him to co-create "It Snows All the Time."

Pictures and videos from the event are available at https://www.acsiapartners.com/wiggin-out-for-alzheimers/.

About ACSIA Partners LLC:

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*PHOTO: Send2Press.com/mediaboom/16-0120-gott-wiggin-300dpi.jpg

*Photo Caption: ACSIA Partners CEO Denise Gott with actors Brett Cullen, left, and Erich Hover, right.

Twitter: @AcsiaPartners #Alzheimers @alzassociation

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/austin-wiggin-out-event-raises-awareness-and-dollars-to-help-fight-alzheimers-disease-2016-0120-02.shtml.

This Thanksgiving, Talk Turkey About Alzheimer’s and Long-Term Care

KIRKLAND, Wash., Nov. 19, 2015 (SEND2PRESS NEWSWIRE) -- November is Long-Term Care Awareness Month, and it's also National Alzheimer's Disease Awareness Month. "Both topics warrant attention this Thanksgiving," says Denise Gott, CEO of ACSIA Partners, a leading long-term care insurance agency. "The risk of Alzheimer's looms large, and the risk of needing long-term care looms even larger."

These two dangers affect millions of families more personally than other topics (like politics, terrorism, and sports) that are likely to grace the Thanksgiving table.

Gott points to disquieting facts:
* Nearly 70 percent of Americans 65 and older need LTC at some point, according to the U.S. Department of Health and Human Services.

* One in nine people age 65 and older (11 percent) fall victim to Alzheimer's, according to the Alzheimer's Association. The proportion increases to about one in three (32 percent) for people age 85 and older.

* Alzheimer's has become a leading cause of needing long-term care. About one in four LTC claims are attributed to Alzheimer's, according to the Society of Actuaries. Other claims are attributed to physical issues ranging from chronic illnesses to injuries and disabilities.

"These things need to be addressed," says Gott. "And what better time than Thanksgiving, when everyone's together and free to talk?"

After Thanksgiving and the December holidays, ACSIA Partners will showcase a trailer of the motion picture, "It Snows all The Time," at their annual meeting. The feature film is completed and has been submitted to the Sundance Film Festival. It stars Brett Cullen and Lesley Ann Warren and is produced by Erich Hover, whose father, played by Cullen, came down with Alzheimer's and is the basis of the movie.

Cullen is known for appearances in "Apollo 13," "Ghost Rider," "The Dark Knight Rises," many other films, and popular TV series including "The West Wing."

Hover's first movie break came acting alongside Brad Pitt and Philip Seymour Hoffman in "Moneyball." His experience with Alzheimer's in his family allowed him to immerse in the lead role of Jesse in his movie, "It Snows All the Time."

Hover was motivated to create the film after his father started showing symptoms of dementia/Alzheimer's at age 58. Progressing since then, the disease has drastically affected his memory and his behavior, and he will need long-term care soon.

Hover and Cullen will deliver a joint keynote speech at an ACSIA Partners conference in Austin, Texas, on January 16, 2016.

"The Hover family is like many other families celebrating Thanksgiving this month," says Gott. "By sharing their story on film, they humanize the Alzheimer's issue and the need for care that usually comes with it. They help millions take heart and take action."

About ACSIA Partners LLC:

ACSIA Partners is one of America's largest and most experienced long-term care insurance solution agencies with hundreds of agents serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

More information: http://www.acsiapartners.com/.

* PHOTO for media: Send2Press.com/mediaboom/15-1118-hoverfam-300dpi.jpg

* Photo Caption: The Hover family, subject of the movie "It Snows All the Time."

Twitter: @AcsiaPartners

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/this-thanksgiving-talk-turkey-about-alzheimer-s-and-long-term-care-2015-1119-01.shtml.

NEWS SOURCE ACSIA Partners LLC :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by and Copr. © 2015 Send2Press® Newswire, a service of Neotrope®.

50-Somethings Advised to Calculate Their ‘Long-Term Care Savings Gap’

KIRKLAND, Wash., Oct. 21, 2015 (SEND2PRESS NEWSWIRE) -- Most Americans are poorly prepared to pay for long-term care costs, but there's a two-step fix, according to ACSIA Partners, a leading long-term care insurance agency. It starts by learning if there's a gap, and how big, between your ability to pay and your likely future expenses.

For most Americans there is indeed a gap. According to a May 2015 report from the U.S. Government Accountability Office (GAO), 52 percent of households age 55 and older have no savings for retirement (let alone long-term care). If you're among the 48 percent with some retirement savings, you may be prepared to cover some, but not all, of your probable LTC tab.

What to do?

"Step one," says Denise Gott, CEO of ACSIA Partners, "is to see if you have a gap, and how big." Doing so can take less than five minutes. For a rough estimate, Gott recommends entering a few facts into a calculator provided by the U.S. Department of Health and Human Services: http://longtermcare.gov/savings-calculator/.

Here's a sample calculation for a 52-year old woman planning to retire in Florida, who could afford to set aside $300 (earning 4 percent interest) per month starting now. She would have a long-term care savings gap of $652,184, based on $839,263 in projected care costs in Florida, for life remaining after age 65, minus $187,079 in accumulated savings, as determined by government data and assumptions.

If the woman were married, there would likely be a similar gap for her partner.

Once you know you've got a gap, "the next step is just as simple and almost as quick," says Gott. "Ask a state-certified long-term care agent to help you explore your options." This can be done by phone or online. An in-person meeting is optional.

ACSIA Partners offers state-certified agents covering all parts of the country. To get in touch with one, just go to the company's website -- http://www.acsiapartners.com/ -- and submit an inquiry form indicating your state of residence.

About ACSIA Partners LLC:

ACSIA Partners is one of America's largest and most experienced long-term care insurance solution agencies with hundreds of agents serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan. More information: http://www.acsiapartners.com/.

* PHOTO for media: Send2Press.com/mediaboom/15-1021-Denise-Gott-LTCgap-300dpi.jpg

* Photo Caption: ACSIA Partners CEO Denise Gott with graph of LTC gap.

Twitter: @AcsiaPartners

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/50-somethings-advised-to-calculate-their-long-term-care-savings-gap-2015-1021-01.shtml.

Just Among Friends: Long-Term Care Insurance on Facebook

KIRKLAND, Wash., Sept. 23, 2015 (SEND2PRESS NEWSWIRE) -- Long-term care insurance agents often resist reaching out to friends who could use their help. And seekers of LTC insurance information also resist reaching out to friends who may be in the business. But there's much to gain from overcoming this reluctance, according to ACSIA Partners, a leading long-term care insurance agency.

"If you're an agent, you may recoil at the idea of selling to your friends," says Denise Gott, CEO of ACSIA Partners. "And if you're on the buying end, you may feel you're imposing if you approach a friend in the business. But you really should connect. In our experience, agents and buyers who are friends are getting together with good results on both sides."

Social media sites -- especially Facebook, LinkedIn, and Twitter -- make it easy for LTC agents to reach out in low-key ways, according to Gott. "Our people avoid the hard sell," she says. "That's important. Mostly they just make clear they're in the business. And they post useful information that friends appreciate. For example, a reminder of LTC deductions available at tax time, or facts on who needs protection, or available policy types."

Agents who get lots of inquiries from friends tend to post regularly, maintaining an ongoing presence and dialog. Two examples:

Gabrielle Gelo makes regular visits to Facebook and is amply rewarded. "Facebook allows me to reach out to childhood acquaintances that I might not have maintained contact with otherwise, through the high school Facebook page. They need help with long-term care planning, and the trust is already there," she says. "For me, social media works: it costs nothing, and takes minimal time."

Kim Beckham also enjoys a solid response from social media. "Last year, about three fourths of my business was Facebook-related," she reports. "And it was mostly with friends and family and referrals from friends and family."

Beckham, like Gelo, stresses the importance of keeping things low-key and friendly. For example, "On Facebook I don't use a business page," says Beckham. "I just use my personal page, because I feel I am my brand, and people are looking to me as a person, not an agent."

If you're a consumer, social media can be an especially good place to shop for LTC insurance, according to Gott. "It's fine to click on internet ads or request quotes on search engines," she says. "But if you value the personal touch, it's hard to beat social media for linking up with someone you know and trust."

ACSIA Partners LLC -- http://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance solution agencies with hundreds of agents serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

* IMAGE (web): Send2Press.com/mediaboom/15-0923-acsia-sept-500x375.jpg

* Image Caption: ACSIA Partners agents Kim Beckham and Gabrielle Gelo with CEO Denise Gott.

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/just-among-friends-long-term-care-insurance-on-facebook-2015-0923-03.shtml.

Twenty Eight of America’s ‘Top 100’ Long-Term Care Insurance Agents Are with a Single Agency, ACSIA Partners

KIRKLAND, Wash., Aug. 11, 2015 (SEND2PRESS NEWSWIRE) -- High-flying birds tend to flock together. At least that seems to be the case with long-term care specialists from ACSIA Partners, a leading long-term care insurance agency. Twenty eight of them received the "2015 Long-Term Care Sales Achievement Award" and were among the top 100 individual LTCi producers, based on premium.

The awards are made annually by the American Association for Long-Term Care Insurance, the trade association for professionals dedicated to serving the nation's long-term care planning needs.

Why did ACSIA Partners win such a large share of the awards?

"It's simple," says Denise Gott, CEO. "We put our clients' needs first, and they respond by giving us their trust."

"Also," she adds, "long-term care insurance is our specialty. We know the product inside out and recommend policies from multiple high-rated carriers, not just a single source. And we focus on education and service, not selling."

The company also attracts less experienced, up-and-coming agents who bring fresh perspectives and enthusiasm. "We help them grow and succeed," says Gott.

"They're the ones who will make the top-100 list in years to come," she adds. "Partly due to their own professionalism and partly due to help from our veterans, who want the whole organization to thrive."

As 77 million baby boomers approach retirement, "The demand for long-term care planning is likely to mushroom," says Gott. "To help fill the need, we'll be here with some of the top agents in the business."

About ACSIA Partners LLC:

ACSIA Partners -- http://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance solution agencies. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

Twitter: @AcsiaPartners

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/twenty-eight-of-americas-top-100-long-term-care-insurance-agents-are-with-a-single-agency-acsia-partners-2015-0811-01.shtml.

Check Out Long-Term Care Insurance Agents before Engaging with Them, ACSIA Partners Advises

KIRKLAND, Wash., July 20, 2015 (SEND2PRESS NEWSWIRE) -- If you're in the market for long-term care insurance, you've probably submitted some online forms. And your phone may be ringing. How should you respond? "Cautiously at first," says Denise Gott, CEO of ACSIA Partners, a leading long-term care insurance agency.

Why? "Before any agent can develop valid recommendations and quotes, they need a lot of personal information," she explains. "Sensitive facts about your health and finances. So you'd better know who you're dealing with." Also, she adds, "Their experience matters, so it's good to check that out too."

She suggests going online to answer three key questions.

1. Do they have a professional website? Today a site is an agent's calling card, evidence they're in business and serious about it, she asserts. "Their site provides a wealth of information," she explains. "To find it, ask them for its address, or search for it by entering their name and 'long term care insurance.'" What if they don't have a site? "That's not a good sign," says Gott. "Our agents have robust sites with their picture, location, states where they're licensed, carriers they represent, news about them, and more."

2. Can you find evidence of them beyond their site? "Search for them on Google or Bing, and on social media sites such as Facebook, Twitter, or LinkedIn." Gott suggests. "Enter their name and the words, 'long term care.' Do they come up? How often? Are people recommending them or referring to them? Are they being quoted in the news or industry publications?"

3. Can you find them on specialized industry sites? Many agents have registered with one or more of the following, according to Gott:
* American Association for Long-Term Care Insurance. Registered members are listed by zip code here: http://www.aaltci.org/cgi-bin/distance2agents .
* Long Term Care Guild. Registered members may be found by entering their name in "Advanced search," here: http://ltcguild.ning.com/profiles/members/ .
* National Care Planning Council. Participating agents may be found by state here: https://www.longtermcarelink.net/a7insurancequotes.htm .
* Agent Review, the new rating and matching service for insurance agents and buyers. Registered members may be found by selecting "Long Term Care" as the insurance type and entering a zip code, here: http://agentreview.net/ .

"Once you've checked an agent out," says Gott, "you can breathe easy knowing you're dealing with a pro, and get down to brass tacks."

ACSIA Partners LLC -- http://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance solution agencies. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

* LOGO: Send2Press.com/mediaboom/14-1119-ACSIA-Partners-300dpi.jpg

TWITTER: @AcsiaPartners

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/check-out-long-term-care-insurance-agents-before-engaging-with-them-acsia-partners-advises-2015-0720-02.shtml.

ACSIA Partners Offers Election Poll on Key Issue: Incentives to Help More Americans Afford Long-Term Care Insurance

KIRKLAND, Wash., June 24, 2015 (SEND2PRESS NEWSWIRE) -- Today ACSIA Partners LLC announces a straw poll asking Americans to say which 2016 Presidential candidate, Democratic or Republican, is more likely to back federal incentives for owning long-term care insurance.

Available at http://ltcpoll2016.strikingly.com/, the poll simply asks, "Which party's candidate is more likely to offer new tax incentives for long-term care insurance?"

Why the poll?

"It's not just to take the pulse of the public," says Denise Gott, CEO of ACSIA Partners. "We want to influence the candidates. When they see the poll results, they might start taking the LTC issue more seriously."

The majority of senior Americans lack long-term care insurance, Gott points out. "It's not included in the Affordable Care Act, and Medicare doesn't cover most long-term care needs. Medicaid offers broad assistance, but only for those who lack means."

"For the vast majority of Americans," Gott continues, "private insurance is the only viable LTC insurance option, but millions shrink from the cost. New tax breaks could change that. The candidates need to take a position and include it in their talking points."

Senior voters could tip the election one way or the other, Gott asserts. "There are tens of millions of them. They show up at the polls. And when you add their family members to their numbers, they make up a clear majority of eligible voters."

The straw poll will run continuously and the tally will be updated after each submission. Results to date will be immediately visible to participants, at http://ltcpoll2016.strikingly.com/.

About ACSIA Partners:

ACSIA Partners LLC - http://www.acsiapartners.com/ - is one of America's largest and most experienced long-term care insurance solution agencies. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

IMAGES:
*PHOTO (web): send2press.com/mediaboom/14-0827-denise-gott-500x375.jpg

*Photo Caption: ACSIA Partners CEO Denise Gott.

*LOGO: Send2Press.com/mediaboom/14-1119-ACSIA-Partners-300dpi.jpg

Twitter: @AcsiaPartners

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/acsia-partners-offers-election-poll-on-key-issue-incentives-to-help-more-americans-afford-long-term-care-insurance-2015-0624-01.shtml.

Homecare-Friendly Long-Term Care Plans from ACSIA Partners Let Seniors Continue Living at Home and Save Money Too

KIRKLAND, Wash., April 27, 2015 (SEND2PRESS NEWSWIRE) -- Many people envision long-term care insurance as a means of paying the bills when they move into a care facility. If you're one of them, "You should widen your vision," says Denise Gott, CEO of ACSIA Partners, an industry leader. "LTC insurance also pays for care in one's own home. But some policies do a better job of it than others." Today ACSIA Partners announces a campaign to promote Homecare-Friendly LTC plans.

Gott points out that long-term care insurance comes in many forms, not all of them ideal for home care. "There are two broad categories of policies," she says, "reimbursement policies and cash policies. With a reimbursement policy you submit bills for approval and subsequent payment, which is usually made to an institution. With a cash policy you get monthly benefit checks that you can use however you wish, giving you great freedom in hiring whatever services whenever you want."

People who prefer to "age in place" (at home) may be better off with a cash policy, according to Gott. But reimbursement policies have their advantages, and some are more friendly to home care than others. "With our approach, we guide clients to the most suitable policies from multiple leading carriers," says Gott.

Receiving care in one's own home is not only preferred by many; it can also be easier on the pocketbook, Gott points out. According to the Genworth 2015 Cost of Long-Term Care Survey, the national average cost of a private room in a nursing home is now $91,250 per year, up 4.17% from 2014. Assisted living facility costs now average $43,200 per year, up 2.86% from last year, according to the study. Serious money.

By contrast, care services provided in the home or community can be relatively modest if used judiciously. Homemaker services are now $20 per hour, up 2.63% from 2014. Home health aide services are also $20 per hour, up 1.27%. Adult day care center costs now run $69 per day, up 5.94% from 2014.

At $20 per hour, in-home care services would run $20,800 per year if utilized 4 hours per day 5 days a week. Adult day care services would run $17,940 per year if utilized 5 days a week.

With lower anticipated costs, a less expensive LTC policy might be appropriate. "Our agents serve all kinds of needs of individuals and organizations," says Gott. "If a client prefers in-home care, a Homecare-Friendly plan will be recommended."

ACSIA Partners includes a few hundred state-certified agents covering all parts of the country. To get in touch with one, just go to the company's website -- http://www.acsiapartners.com/ -- and submit an inquiry form.

ACSIA Partners LLC (in California, xACSIA Partners Insurance Agency LLC) is one of America's largest and most experienced long-term care insurance solution agencies. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

*PHOTO (web): send2press.com/mediaboom/14-0827-denise-gott-500x375.jpg

*Photo Caption: ACSIA Partners CEO Denise Gott.

*LOGO: Send2Press.com/mediaboom/14-1119-ACSIA-Partners-300dpi.jpg

Twitter: @AcsiaPartners

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/homecare-friendly-long-term-care-plans-from-acsia-partners-let-seniors-continue-living-at-home-save-money-too-2015-0427-01.shtml.