Words of Praise

“I had the opportunity to read your book and loved it. This is a book I would be happy to give my clients, as I believe it would assist them in understanding the process. This is a wonderful book!”

- Christina Stone, JD
Attorney, certified specialist estate planning, trust and probate law
La Habra, CA

About the Book


Chapter 1: Great Uncle Pat

Chapter 2: Grandmother
Chapter 5: Scammers and Shysters alert
Chapter 8: Barbara, The Good Daughter
Chapter 11: Choosing a Medi-Cal Advisor


Great Uncle Pat
Our four choices for long-term care

Great Uncle Pats death epitomizes a good death, a lucky fate shared by 10% of the American population. Unless we count suicide as an option, we mortal beings face four long-term choices as we contemplate the last years of our lives:

  • Get lucky
  • Enjoy your success
  • Let someone else worry
  • Let someone else pay
Get Lucky

Get lucky was Great Uncle Pats long-term care strategy. His planning can be summed in two words: Do nothing. The more hedonistic among us may label this as the Eat drink and be merry strategy or its close cousin Let tomorrow take care of itself.

Since this works for only 10% of the population, we have to ask ourselves: Do we feel lucky? Viewed realistically, we have nine-in-ten chances of needing some level of long-term care assistance during our lives.

Cultural factors play a role in long-term care planning. Caring for the elderly at home until they die is expected in some cultures. For these families, long-term care means unrelenting stress and backbreaking work for the next generation, usually a daughter or daughter-in-law.

Denial also plays a role in long-term care planning for many seniors. They know their time on earth is limited; they know many people spend time in nursing homes; they know they should get their affairs in order. Yet many stubbornly ignore their childrens and friends entreaties to plan beforehand. Perhaps these seniors refuse to acknowledge their mortality because they fear such thinking will hasten their demise. Besides, didnt their great uncle drop dead one day without ever seeing the inside of a hospital or nursing home?

That you are reading this book is indication that Do Nothing is not a comfortable choice for you.

Enjoy your success

For the fortunate few who enjoy great financial success, planning for long-term care is simply deciding which assets and/or income will be diverted to pay for necessary care when the need arises. To use an insurance industry description, these individuals may self insure their risks of needing long-term care.

Interestingly, some wealthy people who can afford to self-insure purchase long-term care insurance. Anecdotal accounts from insurance sources indicate a desire by people of significant economic means to protect their asset base from potentially massive costs of extended long-term care.

Let someone else worry

If Do Nothing does not work for you and Enjoy Your Success seems unlikely in this lifetime, then letting someone else worry for you may be your best choice.

Another Excerpt...Chapter Two


Home | Our Services Explained | Medi-Cal Guidance | About our Book | About Robert Cullen |
Press Room
| Kelty Press | Contact Us | Site Map | Links

Contact Robert Cullen at