Speakers

Jack Vogelsong State APPRISE Coordinator Pennsylvania Department of Aging Harrisburg, PA

Paul R. Willging, Ph.D. President and CEO Assisted Living Federation of America Fairfax, VA

Frank D. Titus
Mr. Titus became Assistant Director for Long Term Care in January 2001. This position was created subsequent to the Long Term Care Security Act, Public Law 106-265, which gave OPM the responsibility for developing and implementing a long term care program for the federal family by October 2002. The federal family eligible to purchase long term care insurance from the program that Mr. Titus is creating approaches 20 million individuals and a successful marketing campaign will more than double the number of individuals with group long term care life insurance in the United States. Mr. Titus will direct a small staff to assure a successful launch of this major new program.

Once the new program is up and running in 2003, Mr. Titus expects that he and the Long Term Care Program will re-join the Office of Insurance Programs. He managed that Office from May 1997 through December 2000. As Assistant Director for Insurance, Mr. Titus brought parity to mental health and substance abuse benefits and benefits for medical conditions, implemented a patient bill of rights, recast health plan brochures into plain language, initiated a patient safety program, built the consensus necessary for the passage of the Long term Care Security Act. The Federal Employees Health Benefits Program is a 20 billion program that covers 9 million lives and the Federal Employees Group Life Insurance Program has $22 billion in assets and 4.1 million participants.

After completing his Masters of Business Administration as a teaching fellow with George Washington University, Mr. Titus joined the Federal service in 1972 as a management analyst with the Bureau of Retirement, Insurance and Occupational Health. He has been associated with the retirement and insurance programs ever since, holding a wide variety of increasingly responsible positions.

Mr. Titus became a career member of the Senior Executive Service after he successfully competed for the position of Assistant Director for Financial Control and Management in 1984. His broad-based knowledge of retirement and financial systems was subsequently tested during a 1-year assignment as the Program Officer responsible for implementing the Federal Employees Retirement System (FERS) after it’s enactment in June 1986. Mr. Titus has since held the positions of Assistant Director for Retirement and Deputy Associate Director for Retirement and Insurance. His has thus been responsible for every facet of the retirement and insurance programs during his executive career and he has received numerous awards, including receiving the Presidential Rank of Meritorious Executive on two separate occasions.

Mr. Titus is a life long resident of Alexandria, Virginia, and has a grown daughter, Anne.

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Gale P. Arden
Gale is responsible for policy development and regulation of insurance as a result of the Health Insurance Portability and Accountability Act of 1996. Essentially this law requires states, insurance issuers and group health plans to comply with Federal laws on insurance in the private sector. The Federal law encompasses guaranteed renew ability, availability, and limitations on pre-existing condition exclusions for eligible individuals in the group and individual markets. Gale also has responsibility for policy, regulation, and enforcement in the area of Medicare supplemental insurance, commonly known as Medigap. She has direct insurance activities in the Centers for Medicare and Medicaid (CMS) central office. Additionally assigned, as a senior leader, to proposing alternative ways to address long term care financing and addressing long term care financing issues for the agency.

Gale holds a B.A. in Political Science, University of Illinois, Chicago and is currently completing her Masters in Business program at Johns Hopkins University.

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Peter H. Bell
Peter Bell is President of Dworbell, Inc., a Washington, DC-based trade association management, lobbying and communications firm. Dworbell, Inc. provides comprehensive association management services to several national trade associations in the housing and residential finance field, including the National Reverse Mortgage Lenders Association.

National Reverse Mortgage Lenders Association (NRMLA) is a trade association for lenders involved in the origination and servicing of reverse mortgages. A reverse mortgage is a financial instrument developed to enable senior homeowners to convert the accumulated equity in their homes into a stream of income without having to move out of the property. Mr. Bell was asked by the leading participants in the reverse mortgage business to organize NRMLA in 1997 and has served as its President since.

Mr. Bell has served on numerous housing industry committees and HUD task forces and frequently testifies before Congress on housing and tax issues. He is an alumnus of Fannie Mae’s National Housing Impact Advisory Council. Mr. Bell is Treasurer of Homes for America, Inc., an Annapolis, MD-based nonprofit developer of affordable housing. He is also serves on the Boards of Directors for the National Housing Conference and the Affordable Housing Tax Credit Coalition, and is a member of the Editorial Advisory Board for the Housing & Development Reporter.

Outside of the housing industry, Mr. Bell serves as Treasurer for the Telluride Society for Jazz, a nonprofit organization that sponsors and hosts a major national jazz festival in Telluride, Colorado each August.

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Julian E. Gray
Julian E. Gray graduated from Penn State University and received his Juris Doctor degree from the Duquesne University School of Law. Julian is an associate at Springer, Bush & Perry and concentrates in the areas of elder law, estate planning and administration, real estate and small business counseling. Julian is a member of the Allegheny and Beaver County Bar Associations, the Pennsylvania Bar Association, American Bar Association, and the National Academy of Elder.

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Val J. Halamandaris
Val J. Halamandaris was named president of NAHC effective July 1, 1982. During his tenure membership has increased more than 1000%, revenues have increased from $250,000 to $12.8 million, and staff has increased from 3 to 85. He came to this position from the staff of the House of Representatives Select Committee on Aging, where he was senior counsel and director of oversight. The Honorable Claude Pepper was chairman of the committee. Prior to joining the House Committee staff in 1978, Halamandaris was associate counsel to the US Senate Committee on Aging between 1969 and 1978. From 1962 to 1969 he worked with US Senator Frank E. Moss, who was instrumental in the founding of the Senate Aging Committee in 1961.

Halamandaris is a lawyer who has built an impressive 20-year record working with Congress. He is an acknowledged expert in health, aging, and long-term care. He received his BA from George Washington University and his law degree from the Catholic University School of Law, both in the nation's capital. He is a member of the DC Bar, the US District Court of Appeals, and one of the privileged few attorneys who are members of the Bar of the Supreme Court of the United States.

Halamandaris won nationwide recognition for his role as a congressional investigator and his efforts to expose fraud against the elderly. He is best known for the hard-hitting congressional investigations he directed into insurance fraud, medical quackery, real estate fraud, nursing home abuse, and other scams victimizing the elderly. He has produced more hearings on the subject of aging and/or health care than any staff member before or after him. His work has been featured on CBS's "60 Minutes" and ABC's "20/20" and in national magazines such as Time, Newsweek, and US News and World Report.

His legislative achievements include helping Senator Moss gain enactment of amendments creating the home care benefit in both Medicare and Medicaid. He assisted Moss in enacting legislation requiring federal minimum standards for nursing homes and authorizing federal funds to help schools of nursing and medicine provide training in geriatrics. His efforts helped expand Title XX monies going to the aged and infirm. He helped author legislation creating the Office of Inspector General in the Department of Health and Human Services, as well as state Medicaid fraud units.

Under Chair Pepper, Halamandaris worked to preserve and extend Social Security, establish a program to help stop abuses in the sale of health insurance in supplementation to Medicare, and remove impediments restricting use of the Medicare and Medicaid home care benefit.

In 1977, Halamandaris and Senator Moss coauthored Too Old, Too Sick, Too Bad, a book on the plight of the elderly in this country. He has authored 20 major congressional reports including the series "Nursing Home Care in the United States"; "Alternatives to Institutionalization"; "Medicare After 15 Years"; "Abuses in the Sale of Health Insurance to the Elderly"; "Fraud and Abuse Among Clinical Laboratories"; "Kickbacks Among Medicaid Providers" and "Elder Abuse: The Hidden Problem." In 1990, he wrote Profiles in Caring: Advocates for the Elderly.

Halamandaris taught "Aging and the Law" at the University of Southern California in 1974. He is responsible for the creation of two highly regarded national magazines, Caring and Caring People, of which he serves as editor and publisher. In 1987, he was executive producer of the film "Suffer Not the Little Children," a documentary narrated by Susan Sullivan, on the plight of chronically ill children.

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Dawn E. Helwig
Dawn E. Helwig is a principal with the Chicago office of Milliman USA, Inc. She has been with the firm since 1986. Dawn specializes in health product development and analysis, with a focus on long term care (LTC) and other seniors products (e.g. Medicare Supplement and Medicare Risk). She has experience in the plan design, development, and implementation of LTC policies for a number of insurance companies and has assisted in developing and analyzing proposed LTC plans for employee groups. In addition to product development work, Dawn has experience with marketing and administrative management, state insurance department filings, profitability and experience analyses, strategic planning and acquisitions, and financial reporting.

Prior to joining Milliman, Dawn worked for ten years for an insurance company, primarily in health product pricing and analysis. She is a fellow of the Society of Actuaries and a member of the American Academy of Actuaries. Dawn has been a frequent speaker at industry and professional meetings and has served on a Society task force to review syllabus content. She also has participated in Milliman’s internal research in developing long term care claims cost guidelines.

Dawn’s is a graduated summa cum laude from North Park College in 1976 majoring in Math and English.

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Kathleen Kelly
Kathleen Kelly has been with Family Caregiver Alliance almost since its inception. She joined the agency in 1979, and has served as Executive Director since 1990. As Director, she oversees programs of the Bay Area Caregiver Resource Center, which provides direct services to families and providers within the San Francisco Bay Area, and the Statewide Resources Consultant, which provides technical assistance and consultation to the statewide system of Caregiver Resource Centers and the development of the National Center on Caregiving.

During her tenure with Family Caregiver Alliance, Ms. Kelly has held seats on a variety of national, state and local advisory committees of concerned with long-term care public policy, including: the U.S. Office of Technology and Assessment; California Association of Rehabilitation Facilities; San Francisco Long Term Care Advisory Committee; California Interdepartmental Work Group on Alzheimer’s Programs; and the California Senate Blue Ribbon Committee on Medicaid. Recently, Ms. Kelly has been focusing on the integration of information technologies into the nonprofit sector and in service delivery to FCA’s clients. Currently, she oversees the development of the agency’s technology initiatives: FCA’s award-wining website (www.caregiver.org); Link2Care, an Internet-based program of direct services to caregivers integrated with the Caregiver Resource Centers funded by the California Endowment; and other technology projects under development. She has lectured extensively on family caregiving, long-term care, advocacy, service delivery, information technology and nonprofit management. Ms. Kelly has authored or co-authored numerous articles on caregiving and information technology.

Ms. Kelly holds a Bachelor’s degree in Health Science from San Francisco State University and a Master of Public Administration from Golden Gate University.

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Stephen Moses
Stephen Moses is President of the Center for Long-Term Care Financing in Seattle, Washington. The Center promotes universal access to top-quality long-term care by encouraging private financing and discouraging welfare financing of long-term care for most Americans. Previously, Mr. Moses was Director of Research for LTC, Inc., a Medicaid state representative for the Health Care Financing Administration and a senior analyst for the Inspector General of the U.S. Department of Health and Human Services.

Mr. Moses is widely recognized as an expert and an innovator in the field of long-term care. McKnight’s Long-Term Care NEWS named him "one of the 100 most influential people in long-term care." Nursing Homes magazine reported "there is probably no more articulate spokesperson for privately financed long-term care than Stephen Moses."

Steve Moses has directed numerous national studies for the federal government, state governments, and private organizations on Medicaid nursing home eligibility, asset transfers, estate recoveries and long-term care financing. He specializes in problems associated with "Medicaid estate planning," the practice of artificially impoverishing affluent people to qualify them for public assistance.

Moses is credited with having "forged the framework" for the Omnibus Budget Reconciliation Act of 1993, which attempted to bring Medicaid eligibility loopholes under control. He helps state Medicaid programs curtail Medicaid estate planning and encourage private insurance as an alternative to public welfare financing of long-term care for the middle class.

Mr. Moses’ articles appear often in distinguished publications like The Gerontologist, The Journal of Accountancy, Contemporary Long-Term Care, Best’s Review, National Underwriter and LTC News & Comment. He is the author of "Health and Long-Term Care Insurance," a chapter in Clark Boardman Callaghan’s legal treatise, Advising the Elderly Client. He has testified before half of America’s state legislatures. He frequently addresses professional conferences in the fields of law, aging and insurance.

Steve Moses’ recommendations are quoted regularly in the national media including the "CBS Evening News," PBS’s "Frontline" and "The Financial Advisors," CNN, National Public Radio, The New York Times, Newsweek, USA Today, Forbes, The New Republic, Smart Money, National Journal, and Jane Bryant Quinn’s syndicated column. He appears in a public television documentary entitled "The Aging of America: The Dilemma of Long-Term Care." His talk radio appearances on health care reform are unique, provocative, and increasingly in demand.

Mr. Moses wrote the chapter on long-term care financing for a new anthology entitled Toward Healthy Aging, edited by best-selling author Ken Dychtwald of Age Wave renown. His chapter for an anthology on the Long-Term Care Partnerships was published in 2001. He is also the author of LTC Choice: A Simple, Cost-Free Solution to the Long-Term Care Financing Puzzle and The Myth of Unaffordability: How Most Americans Should, Could and Would Buy Private Long-Term Care Insurance.

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Loralu Raburn
Loralu Raburn, MD is the founder and owner of Clarity Endeavors, a company devoted to educating the public about brain diseases in Amarillo, Texas. Dr. Raburn was educated at Tulane University, the University of Hamburg in Germany, the University of Oklahoma College of Medicine, and the National Hospital, Queen Square, London, England. She is a board certified specialist in neurology and has a special interest in higher cortical functions. In private medical practice for 17 years, Dr. Raburn now shares her expertise by teaching at Texas Tech School of Pharmacy in Amarillo, Texas. Dr. Raburn is also a faculty member for the Society of Certified Senior Advisors (CSA) designation program in Denver, Colorado.

Dr. Raburn currently at work on a book concerning communication in stroke victims, and has produced videos for the public on Alzheimer's Disease.

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Daneen E. Reese
Daneen E Reese is the Executive Director of the Pennsylvania Assisted Living Association (PALA). Previously, she was employed by Balance Care Corporation, Mechanicsburg, Pennsylvania, as the Eastern Regional Director of Education and Special Projects (1996-1999), and at Moses Taylor Hospital as Placement Coordinator and Employee Assistance Counselor from 1976 through 1995.

Ms. Reese was appointed to the Pennsylvania State Ethics Commission on April 23, 1990, by the Honorable Robert J. Mellow, Minority Leader of the Senate, and was reappointed to a second term on March 24, 1994. Ms. Reese served as Vice - Chair for the Commission from April 1992 through December 1994 and as Chairperson from 1994 through May 2002. She currently serves as a Commissioner. She was the fourth woman appointed to the Commission.

Ms. Reese has served on the PA Assisted Living Workgroup, PA Futures Group, SHINE, Executive Board of the American Lung Association, and the Planning Committee of the National Coalition of Black Lung Clinics, Inc. She created the Northeast Support Network for AIDS individuals and their caregivers.

Ms. Reese holds her Associate Degree in Social Work from Centenary College for Women and a Bachelors Degree in Sociology from the University of Scranton.

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Alan G. Rosenbloom
Alan G. Rosenbloom is the President and CEO of the Pennsylvania Health Care Association ("PHCA") in Harrisburg, Pennsylvania. As the chief staff executive of the association, he is responsible for all aspects of association activities. PHCA provides state and federal representation for over 300 Pennsylvania-based senior service providers, the majority of which are proprietary organizations. The association’s core function is to effect political and public policy outcomes to create market conditions in which long term care providers may thrive. Mr. Rosenbloom also serves as President of PHCA’s two subsidiaries, the AdvantEDGE, an innovative service corporation for member services and PHCA’s educational foundation, and of the Center for Assisted Living Management. In 2002, he led a successful campaign to enact tort reform legislation to benefit providers in Pennsylvania.

Before joining PHCA in March 2001, Mr. Rosenbloom worked at the American Association of Homes and Services for the Aging ("AAHSA") in Washington, D.C. In his nearly five years at AAHSA, he served as Interim President and CEO, Executive Vice President and Chief Operating Officer/General Counsel. He held similar posts with AAHSA’s affiliate, the International Association of Homes and Services for the Ageing, as well as AAHSA’s three subsidiary corporations, a development company and two offshore captive insurance companies.

Prior to joining AAHSA, Mr. Rosenbloom practiced health law as a partner with two Philadelphia-based law firms. He graduated summa cum laude from the University of Massachusetts, received graduate training in public policy analysis from the Wharton School of the University of Pennsylvania, and earned a Juris Doctor from Penn’s Law School, where he served as an associate editor of The Law Review. He has served on various Boards of Directors and has taught health care law and ethics at the undergraduate and graduate levels.

During the course of his career, Mr. Rosenbloom has given more than 500 professional presentations and programs, including programs for the American Health Lawyers Association, the Pennsylvania Bar Institute, the American Health Care Association, the American Association of Homes and Services for the Aging, the International Association of Homes and Services for the Aging. He testifies frequently before the Pennsylvania General Assembly and has testified before the U.S. Congress.

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Phyllis Shelton
Phyllis Shelton is the President of LTC Consultants, a Nashville-based company that she founded in 1991 that specializes in long-term care insurance training and marketing materials. She is widely considered to be the leading long-term care insurance trainer in the country. Phyllis has personally trained over 37,000 agents and through that effort has touched the lives of hundreds of thousands of Americans.

In addition to marketing a long-term care insurance selling system, LTC Consultants provides product consulting and sales training to insurance companies, to independent and captive insurance agents and brokers, to banks and to long-term care providers. Her company has launched many of the industry’s largest insurance carriers into the LTCI market through her agent training programs. In 2002, LTC Consultants is handling the employee education effort for the Federal Long-Term Care Insurance Program - 2000 live meetings combined with a professional video and webinar.

Phyllis has spoken to literally every major industry group including, most recently, MDRT, LIMRA and the Society of Financial Service Professionals. She is a frequent contributor to industry publications such as Financial Services Advisor, Life Insurance Selling, California Broker, Financial Planning, and National Underwriter and authors the consumer book, Long-Term Care: Your Financial Planning Guide that is available at bookstores all over the country with an update scheduled for publication in April 2003. She is a consumer reference for such publications as Kiplinger’s Personal Finance Magazine and her interviews include USA Today, Business Week, Money, Smart Money, and Bloomberg Wealth Manager. On October 22, 2001, she was the subject of an extensive interview in the Wall Street Journal, and she appears in the PBS documentary, And Thou Shalt Honor, on October 9, 2002.

Ms. Shelton speaks nationally on the tremendous financial impact of long-term care and the incredible marketing opportunity for agents who make the commitment to get in on the cutting edge of the fastest growing insurance product in the nation. While sharing the main platform at the annual NAILBA conference with former U.S. Senator Bob Dole, she was regarded as "the most prolific speaker/trainer in the long-term care insurance marketplace."

Phyllis’ passion for the long-term care industry is unparalleled. Her motivational message has been delivered to over 2,000,000 Americans. Many believe that Phyllis Shelton has had the most impact of any one individual in the long-term care insurance industry.

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Jesse R. Slome
Jesse R. Slome is executive director and co-founder of the American Association for Long-Term Care Insurance., [www.aaltci.org] a non-profit professional organization whose mission is to enhance the expertise and develop high standards of professionalism among long-term care insurance agents, brokers and financial professionals. The organization, established in 1999, serves nearly 2,500 long-term care insurance specialists nationwide.

Slome is editor-in-chief of Long-Term Care Insurance Sales Strategies magazine, a national industry publication, and organizer of the National LTCi Producers Summit, a leading industry wide meeting. In addition, he is the author of numerous pamphlets including the Business Owners Guide to Long-Term Care Insurance and three Consumer’s Guides to LTC Insurance. A frequent contributor to leading national publications including The Wall Street Journal, Fortune, Money, Kiplinger’s he is a frequent contributor quoted in leading daily newspapers, trade magazines and industry newsletters.

The former Director of Marketing for a division of Transamerica and a general manager with Aetna's retirement plans division, Slome is the recipient of three Best of Show Awards and three Awards of Excellence from the Life (Insurance) Communicators Association as well as top marketing awards from the Public Relations Society of America for product promotion (Cabbage Patch Kids introduction; Coleco Toys) and cause-related marketing (Tang brand, General Foods Corporation).

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Susan Smith
Sue has been involved with the Association since 1988 serving as a founding board member and volunteers. Since 1999 she has served as Executive Director of the Greater Pittsburgh Chapter and as Regional Director of the Greater Pennsylvania Chapter, Southwestern Regional Office. Sue has her Masters degree in Social Work from the University of Pittsburgh and has been working with people with Alzheimer's disease and related disorders since 1985. Prior to her work at the Association, she had been involved in the operation two model assisted living programs for persons with dementia.

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Sandra Timmermann
Dr. Sandra Timmermann is the Director of the Mature Market Institute at MetLife in Westport, CT. The Mature Market Institute is MetLife’s information and policy resource center for issues concerning aging, retirement, long-term care and the mature market. The Institute provides research, training and education, consultation and information to support MetLife and its business partners. Dr. Timmermann is a nationally recognized gerontologist with 25 years of experience in the field of aging. Prior to joining the company in April 1997, she held senior staff positions with several national aging organizations including the American Society on Aging, AARP, and SeniorNet. Earlier in her career, Dr. Timmermann worked with corporate clients as an account supervisor in public relations/marketing agencies. Dr. Timmermann writes the Financial Gerontology column for the Journal of Financial Service Professionals and is a frequent speaker at conferences and seminars. She received her B.A from the University of Colorado and an M.A. and Ed.D. from Columbia University. She serves on the Boards of Directors of the American Society on Aging, the Business Forum on Aging and the Southwestern Connecticut Agency on Aging, and is listed in the 2001 edition of Who’s Who in America.

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Jack Vogelsong
The APPRISE Health Insurance Counseling Program annually provides health insurance information to over 350,000 individuals regarding Medicaid, Medicare, long-term care insurance, Medicare HMOs and other health insurance issues. The APPRISE network, funded in part from a grant from the Centers for Medicare and Medicaid Services, is coordinated through the Commonwealth’s 52 Area Agencies on Aging. The program utilizes a network of over 600 trained volunteers to assist Pennsylvania’s 2.1 million Medicare beneficiaries.

Mr. Vogelsong has written extensively on retirement planning and understanding options for financing long term care. As a graduate of Dickinson College he received his degree is psychology and economics. He received his Masters degree in clinical psychology from Millersville University.

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Paul Willging
Dr. Paul Willging is responsible both for managing the association as well as for representing the assisted living industry in the media, on Capitol Hill and before the executive branch of government.

Prior to accepting his current position, Dr. Willging taught and conducted research in the Graduate Division of Business and Management at Johns Hopkins University, where he also managed (and served as lead faculty in) the first graduate program in the nation focusing exclusively on the business of seniors’ housing and care. His teaching and research interests included health policy, long-term care and gerontology. Dr. Willging is also Adjunct Professor of Health Care Sciences at The George Washington University in Washington, D.C., Senior Associate at Johns Hopkins’ Bloomberg School of Public Health and Trustee at Kirksville College of Osteopathic Medicine.

Previously, Dr. Willging served as President and Chief Executive Officer of the American Health Care Association (AHCA), a long-term care trade association representing 12,000 non-profit and for-profit nursing facilities.

Dr. Willging has over thirty years of extensive experience in the health care field. Before joining the American Health Care Association, he was an officer at Blue Cross/Blue Shield of Greater New York and Deputy Administrator of the Health Care Financing Administration. He also served as Chairman of Howard County General Hospital, a 220-bed acute care facility in Maryland and now a part of Johns Hopkins Medicine.

Dr. Willging received his Ph.D. from Columbia University in the City of New York.

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