February 26, 2014
7:15 a.m.

Subject: Long-Term Care Insurance and Retirement Planning--Informational Opportunities from OPM

Webinars are here!

The Federal Long Term Care Insurance Program (FLTCIP) has invited industry experts to help explore topical issues such as retirement planning and caregiving, and to highlight the advantages of applying for the FLTCIP. Employees who are unable to attend the live event may view the on demand version. Please visit the web link below to access the event dates and times. Note: transcripts are available upon request.
To register for any of the events listed below, visit www.LTCFEDS.com/webinar.

Retirement Planning for Women
Part 2: Managing Retirement Assets
Often referred to as the spend-down phase, retirement is the time to implement all the planning you’ve done. Karen Schaeffer, certified financial planner, demonstrates tax-savvy spend-down tips and TSP withdrawal options. She’ll also take a closer look at one of the most expensive decisions retirees must make—deciding where to live—and review how health and long term care concerns can impact your retirement.

Beyond Retirement Planning
Part 1: Planning for the Unexpected
While your annuity, savings, and Federal Employees Health Benefits (FEHB) Program and Medicare coverage may help secure a comfortable retirement, what happens when things don’t go according to plan? When is it advisable to work with an estate-planning attorney and establish a trust? And are savings and assets ever protected from long term care? Join Harley Gordon, founding member of the National Academy of Elder Law Attorneys, as he guides you through the legal, financial, and health issues most families will face in retirement.

From Military to Federal Retirement, and Everything in Between
Part 1: Merging Your Federal Retirement with Military Service
Are you a Federal employee with military service or a full military retirement? Learn how to receive credit for your military service and how it can affect your Federal civilian annuity. Join James Marshall of Federal Retirement Planning, LLC, as he discusses options you might not have considered and demonstrates how to utilize all the retirement benefits that are available to you.

Solving Your Personal Retirement Puzzle at Any Age
Join Sherry Casas, president and founder of Retirement Training and Coaching Services, Inc., as she takes a look at the big picture of Federal retirement planning and helps you understand the pieces of your personal retirement puzzle. She’ll also discuss how missing pieces may derail your whole plan, review Social Security options—including benefits for spouses—and talk about how to manage health and long term care concerns in retirement.

Growing Up and Growing Older
Part 1: Having the Long Term Care Conversation
Talking to your loved ones about long term care needs can be difficult. Join us as Gail Hunt, president and CEO of the National Alliance for Caregiving, and Federal Long Term Care Insurance Program (FLTCIP) experts Mary Lou McGuinness and Joan Melanson discuss real-world experiences and provide tips to help you anticipate needs, coordinate family responsibilities, and prepare for a long term care event.

Beyond Retirement Planning
Part 2: Advance Directives
No retirement or estate plan is complete without advance directives. Who will handle your health and financial matters if you can no longer make decisions for yourself? Conversely, what are the consequences to you and your family if you do not have these important documents in place? Join us as attorney Harley Gordon, founder of the National Academy of Elder Law Attorneys, and Mary Lou McGuinness, claims consultant for the Federal Long Term Care Insurance Program (FLTCIP) discuss the differences between a living will, health care proxy, and durable and health care powers of attorney. If you’ve been putting this off, be sure to take advantage of this valuable opportunity to learn more.

Military to Federal Retirement, and Everything in Between
Part 2: Financial Planning for Federal Employees with Military Service or Retirement
Are you a Federal employee with military service or a full military retirement? Join James Marshall of Federal Retirement Planning, LLC, and financial planner Chris Holcombe, title and company here, as they discuss how to optimize all your retirement benefits, with tips on financial planning across multiple careers.

Growing Up and Growing Older
Part 2: Caring for an Aging Parent
Caregiving for an aging parent has many stressful challenges, whether they are social, financial, or emotional. Join us as Gail Hunt, president and CEO of the National Alliance for Caregiving, and Federal Long Term Care Insurance Program (FLTCIP) experts Mary Lou McGuinness and Joan Melanson discuss resources for caregivers and common issues and questions adult children often have when caring for an aging parent.

5 Things to Consider in Phased Retirement
Under phased retirement, employees will go through a three-stage process: full-time employment, half-time employment while receiving half retirement benefits, and full retirement. Join Tammy Flanagan, senior benefits director at the National Institute for Transition Planning, as she reviews the U.S. Office of Personnel Management’s direction for allowing employees to work a part-time schedule while beginning to draw Federal retirement benefits. She’ll also review benefit strategies to consider during phased retirement.

Maintaining Your Health and Well-Being in Retirement
Retirement isn’t just about the Thrift Savings Plan, calculating your high-threes, and Social Security income. Money is important, but there’s a lot more to planning your future than dollars and cents. What are you doing today that will allow you to remain engaged and fulfilled in retirement? How can you stay healthy so that you can enjoy your retirement years? Join Sherry Casas, president and founder of Retirement Training and Coaching Services, Inc., and retirement health counselor Jane Siegel as they take a look at the steps you can take to remain physically healthy and emotionally satisfied during retirement.

Retirement Readiness NOW is not just about saving money and not just something you do just before retiring. Money is very important, but that’s not all. There’s a lot more to planning for your future than putting aside income out of each paycheck for retirement.

What else is there? Happiness, both today and in your future years, is based on your total well-being. So, when planning for your future, you also need to consider your total retirement well-being that encompasses the following:

Networking - What are you doing today that will allow you to be engaged, challenged and fulfilled in retirement?

Overall Health - What are you doing to stay healthy so that you can enjoy your retirement years?

Wealth - How well are you managing your income and investing for your future so that you will be able to support your desired lifestyle in retirement?