Ms Karen Henderson

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  floridatoday.com/article/20081101/OPINION/81031024/1006 - [Cached Version]
  Published on: 11/1/2008    Last Visited: 11/1/2008  

  While it is commendable that Karen Henderson has attended a year's worth of School Board meetings, that and her interest as a parent do not give her adequate experience to serve as a School Board member.

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  www.insurance-journal.ca/salestips/2006/0904050316.asp - [Cached Version]
  Published on: 3/1/2005    Last Visited: 5/10/2008  

  When selling long-term care insurance, start in the home, advises Karen Henderson, a long-term care insurance educator and founder of howtocare.com.She says advisors should go into the home of a potential client first to see if they can qualify, and second, to give tips to safe-proof the household to avoid early claims. (click here to see the checklist)
  
  "Advisors should be building a relationship with their client that goes on for many years and often times advisors will go into a client's home for a meeting,particularly with senior clients," says Ms. Henderson.
  
  She adds, "I think if you are a compassionate person you should look around in the client's home,not being nosy ... but by looking to see how they can get around and how well they can look after themselves."
  
  For example, she says, look in the fridge and observe the food situation to judge if they are eating properly."Look at the pots on the stove.Are they burnt?These are indications that there can be an early cognitive impairment.Which can be dangerous and could disqualify the client," emphasizes Ms. Henderson, who does not sell any long-term care insurance (LTC), but is recruited by insurers to educate advisors about the product.
  
  About trust
  
  Selling LTC involves a combination of qualities and skills, she sums up."It is about having a trusting, compassionate relationship, caring about the welfare of your client and evaluating their readability for long-term care insurance."
  
  Offering tips to safe-proof the client's home is also a key part of the advisor's job, says Ms. Henderson."Are they wearing old, worn-out shoes that have no support?Do they have scatter rugs that they can trip on?It happens in a heartbeat, a fall can trigger a claim and it can be the beginning of the end for an old person," says Ms. Henderson, speaking from experience.
  
  Ms. Henderson set up an informational website called Caregiver Network Inc. (caregiver.ca) in 1996, when her own father became ill and she found there was no place offering support for people caring for the elderly."I started it on the Internet and then I got feedback from people from all over.I am unique in the country.There is nothing like the resource centre I have created," she says.
  
  Ms. Henderson also joined forces recently with Oliver's Notes, a Toronto financial services education company, to build an LTC Canadian division for advisors."It is going to concentrate on education of all facets of long-term care.We are building an education centre so advisors can take courses online," explains Ms. Henderson.
  
  She adds, "I learned when I started to teach this that advisors knew nothing about LTC."
  
  Overall, says Ms. Henderson, advisors need to position LTC as a tool within a comprehensive financial plan.
  ...
  Ms. Henderson adds that advisors may often run up against denial when marketing LTC to their clients.

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  www.thestar.com/Business/article/486725 - [Cached Version]
  Published on: 8/28/2008    Last Visited: 8/28/2008  

  Karen Henderson, founder of the Long Term Care Planning Network, was able to point out that Ontario's support for nursing home residents is more generous than in some other provinces.

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  www.accountingworld.ca/aw_new_2008_09_15_7.htm - [Cached Version]
  Published on: 1/1/2008    Last Visited: 9/24/2008  

  Long -Term Care - Karen Henderson, Certified EPC, Educator, Speaker, Author,Publisher and Founder, Long Term Care Planning Network

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  www.ltcnewsandviews.com/2006_autumn.html - [Cached Version]
  Published on: 10/1/2006    Last Visited: 4/29/2007  

  If you want more information and module release dates, email Karen Henderson and we'll keep you informed.

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  www.haltonsearch.com/hr/bp/story/2454445p-2842990c.html - [Cached Version]
  Published on: 12/31/2004    Last Visited: 12/31/2004  

  Karen Henderson will talk about her life-altering 14 years as her father's primary care provider at an upcoming Company of Women meeting.
  
  The group will meet on Jan. 11 at the Burlington Convention Centre, 1120 Burloak Dr. Networking will start at 5:30 p.m., with dinner commencing at 6:45 p.m., followed by Henderson's presentation.
  
  Henderson abruptly shifted from having a busy professional career to becoming a caregiver when her father broke a hip and suffered a stroke.
  
  The speaker, who previously worked in advertising and marketing, now shares her experiences through services she founded.
  
  She started Caregiver Network Inc. and later launched How to Care, an Internet site focused on practical information for care providers.
  
  Henderson co-created and co-produced Caregiving with June Callwood, a 13-part television series.

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  www.theontarioschool.com/speakers/karen-henderson?PHPSE - [Cached Version]
  Last Visited: 7/15/2008  

  Karen Henderson
  
  Karen was responsible for caring for her father Ralph for 14 years.During this time she had to make decisions about home care, long term care, dementia and end-of-life care.She and her father battled frustration, loneliness and despair but together also found joy and fulfillment as they both sought in their own way to understand and cope with the diagnosis of mixed dementia.
  
  As the result of this challenging long term care experience, Karen founded the Long Term Care Planning Network, Canada's leading on and off-line resource centre for aging and long term care.Her seminar series, web sites, newsletters, TV/video series and Long Term Care Planner are internationally recognized as key aging and long term care educational and resource tools.
  
  Karen is now a well-known speaker, writer, media commentator, publisher and educator in the field of long term care for the elderly who has been published in leading geriatric journals in Canada.She is a member of numerous national and provincial associations, advisory boards, coalitions and networks concerned with seniors' mental health, caregiver well-being as well as dementia and end - of , life care for all Canadians.
  
  All professional advisors are looking at aging client bases.As a result Karen has been called upon to work with thousands of advisors, consultants and their clients across Canada to help them understand the implications of aging and long term care on all aspects of financial, insurance and estate planning.
  
  Karen is the author of:

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  www.worklifeharmony.ca/getconnected/events06160801.aspx - [Cached Version]
  Last Visited: 7/23/2008  

  Karen Henderson, Eldercare Educator and Consultant, the Founder and CEO of the Long Term Care Planning Network, and author of Long Term Care: A Practical Planning Guide for Canadians.

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  www.ltcnewsandviews.com/aboutus.html - [Cached Version]
  Published on: 7/1/2005    Last Visited: 4/29/2007  

  As the result of a challenging 14 year long term care experience, The Long Term Care Planning Network's founder, Karen Henderson developed a thorough understanding of long-term care and what advisors and your clients need to know about this life challenge that faces every one of us.
  
  Karen is a well-known speaker, writer, media commentator, publisher and educator in the field of long term care for the elderly who has been published in leading geriatric journals in Canada.She has spoken across Canada and in the U.S. to a wide variety of organizations from hospitals to law firms.
  
  Because Karen understands the long term care marketing and education requirements of financial service and insurance organizations and their clients, numerous professional services companies including UnumProvident Canada, Advocis, Phillips, Hager & North and Clarica have asked Karen to create and deliver presentations to help them understand and market to Canadians who might benefit from living benefit products.
  
  At the IFB (Independent Financial Brokers) 2004 Fall Summit in Toronto attendees rated Karen's long term care seminar first for content and third for presentation out of forty-nine presentations.
  
  Karen is also a content advisor and member of the teaching faculty for the new EPC or Elder Planning Counselor designation, a course designed to educate financial and insurance professionals who interact with seniors and their families.She is a member of many associations, advisory boards and networks concerned with seniors' mental health, caregiver well-being, dementia and end-of-life care for Canadians.

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  www.caregiver.ca/abkh.html - [Cached Version]
  Published on: 3/31/2006    Last Visited: 5/16/2008  

  About Karen Henderson
  ...
  He died on Easter Monday, April 24, 2000.
  
  If I had known back in 1986 what I know now about caregiving, I could have saved myself considerable worry, frustration, anger, illness and guilt.I probably would have done some things differently -- I know I would have been a healthier, more effective caregiver.
  
  Before my mother died, she made me promise I would never live with my father (he can be very difficult.) I laughed and said "are you kidding?"but she was serious and made me promise.Little did I know.
  
  When she died in 1986, I failed to notice I had started slipping into the role she had played in my father's life which, ironically enough, was one I could not bear for her.Gradually dad took more of my time and energy.He grew more demanding and self-centered; I often drove home in tears after sessions with him.I thought I was dealing with the situation.What I was really doing -- so I later learned -- was putting my anger and frustration aside under the guise of guilt and doing whatever he demanded.When he finally fell and broke his hip and then had a stroke two months after that (which exacerbated his dementia), I lost the ability to cope.And the worst was yet to come ... the next year and half while he lived at home with a housekeeper he never left me in peace from morning till night; the telephone rang at all hours with calls like "she's stealing from me", "the police are coming", I'm locked in prison"; I didn't realize how severe his dementia was becoming.
  
  I had kept my promise to my mother but I hadn't really heeded her warning before she died.

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