BELLEVUE, WASH., AUGUST 30, 2012— One of the nation's thought-leaders on long-term care insurance, Stephen D. Forman, today released the fourth article in his ongoing educational series, surveying the history, variety and value of what are called "Immediate Benefits".

Forman, senior vice-president of LTCA, explained his motive for writing the article, "During the decision-making process, our office often hears from clients debating the value of coverage they fear they may never use. LTC insurance is no different from auto or homeowners—if the whole year elapses without incident, just blow out your birthday candles and consider yourself blessed!"

"Having said that," Forman continued, "Consumers today may be surprised to learn of the emerging trend in LTC insurance of including health and wellness benefits which can be accessed on 'day one'. And if the policyholder has parents, in-laws or grandparents in need of care—some policies will extend care coordination services, quality provider reports, and discounts to extended family as well."

The entire series thus far can be found on Producers eSource, where Forman is a regular contributor:

1. "The Top 10 Long-Term Care Riders You Need to Know"
2. "Inflation: The Silent Killer of LTC Insurance"
3. "LTCi Riders: Return of Premium"
4. "LTCi Features: Immediate Benefits"

As increasing numbers of Baby Boomers heed the Federal Government's call to "get more information about private LTC insurance options" (source: National Plan, 2012) LTCA cautions the public to seek only reliable sources of information.

About LTCA

With roots dating back to 1972, Long Term Care Associates, Inc. (LTCA) has now entered its 5th decade focused exclusively in the LTC insurance marketplace. Headquarted in Bellevue, WA, the company is proud to serve over five million members of sponsoring organizations, and count the claim payments to its clientele in the tens of millions of dollars

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For Media Inquiries Contact:

Stephen D. Forman, CLTC
Senior Vice-President

Long Term Care Associates, Inc.
11900 NE 1st St., #115
Bellevue, WA 98005

425-462-9500 ext. 205

steve@ltc-associates.com