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Long-Term Care Concerns
Long Term Care Planning Alternatives
Susan
Suben MS,CSA, President
Susan Suben is the President of Long
Term Care Associates, Inc. She has a BA in Sociology, an MS in Education/Counseling,
a Certificate in Gerontology and is a Certified Senior Advisor (CSA). Susan
has extensive experience in long-term care planning, and is personally familiar
with the issues faced by families confronted with a long-term care crisis.
Formerly Vice President of a leading New York City legal personnel agency
and Director of Programs and Services for the Alzheimer’s Association, Central
NY Chapter, she combines her business acumen and counseling skills to serve
her clients and those of other professions, such as attorneys and financial
planners. Her goal is to provide objective information and guidance about
long-term care issues in response to the emergence of long-term care as
a significant component of responsible retirement and estate planning.
Ann
Ende
Ann joined our team as office manager in January 2007. She
was previously employed by the Cortland County Mental Health Clinic for
twenty years as a mental health assistant.
Naomi
Ayres
Naomi joined our staff in June 2007
as an administrative assistant and our computer specialist. She recently
completed her Associates Degree in Business Management.
"A year ago, our financial
planner recommended that it would be a good time for my husband and I
(ages 53 and 52) to apply for long term care insurance. He recommended
that we shop around for agents and companies to get a balanced picture
of what was available. One of those we interviewed was Susan Suben of
Long Term Care Associates, Inc., in Cortland, NY. Despite the long
driving distance from Cortland to Rochester, Susan met with us at our
home a number of times to explain the various companies, policies, and
options available to us. She frequently followed up with us by phone to
ensure that all our questions were answered. She also gave us all the
time we needed to fill out the applications and make our decisions
without pressure.
"After many months, we finally submitted our
applications to the company of our choice, John Hancock, and mine was
approved. My husband's, however, was not. He had been recently diagnosed
with ADHD, and his application was denied based on a letter one of his
doctors had submitte. We contacted Susan, whose experience in the
industry helped her to discern the likely source of the
misunderstanding. Susan recommended that we ask the doctor to send an
explanatory letter to John Hancock clarifying her diagnosis. Susan then
filed an appeal with John Hancock, and the denial was overturned. My
husband was accepted for insurance coverage, and in addition, we
received a spousal discount!
"We are grateful for Susan's
comprehensive knowledge of her subject and her steadfast perseverance on
our behalf. Now we are both covered, and happily by the same company,
which will make our lives much simpler in the future should we ever need
to use our long term care insurance coverage."
© Long Term Care Associates, Inc., 2008
800-422-2655
607-756-8538
Fax: 607-756-4400
31 Greenbush Street
Cortland, NY 13045
susansuben@31greenbush.com
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