Consumer Planning Blog

David Lilien

David R. Lilien is a long term care insurance specialist working with LTCI Partners, LLC., His expertise is in helping individuals and companies by making complex financial products and services easy to understand. Named the Boston University Leavitt Scholar in Economics, Lilien has consulted for top investment and insurance companies, been interviewed by The Wall Street Journal and holds two U.S. patents on guaranteed savings and income processes.

Recent Posts

Obamacare, Medicare and Long Term Care

  We know from the news that people frequently confuse "The Affordable Care Act" and "Obamacare" - even though they are the same thing. In addition, people don't understand how long-term care, or custodial care, is also covered.  Here are some of facts about how long-term care is covered by health insurance programs.
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Determining the cost of long-term care insurance

In our last blog post, we examined the cost of long-term care (LTC). We discussed how health insurance doesn’t provide LTC coverage and that Medicare’s benefits may not fully cover all long-term care related costs. This is where long-term care insurance becomes a valuable decision.
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Skilled vs. custodial care – what’s the difference?

Like many other forms of insurance, long-term care insurance (LTCI) can feel like it comes with its own language. We hope you found our glossary (published December 29) helpful in defining some of the most common terms in LTCI. It’s also important to be able to distinguish between two different types of care—skilled care and custodial care.
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