The MetLife Mature Market Institute is making "Planning Tips for LGBT Individuals and Couples", available free to the public to follow up on its study, "Still Out, Still Aging: The MetLife Study of Lesbian, Gay, Bisexual, and Transgender Baby Boomers". Compiled with SAGE (Services and Advocacy for Gay, Lesbian, Bisexual & Transgender Elders), the publication offers guidance and advice to LGBT Boomers in the areas of legacy planning, employee benefits, health care, financial and retirement planning.

"Too often, unexpected injury, illness, or even death may leave us unable to express our preferences for ourselves or those who matter to us most," said Sandra Timmermann, Ed.D., director of the MetLife Mature Market Institute. "Without preparation, much of what happens next will then be directed by default rules, customs and practices, that may interfere with or run counter to what we would have directed. With LGBT individuals and couples who are not married, the legal lines can be blurred even more and the ramifications can be permanent. Making decisions about these issues and making them legal can save a great deal of anguish, time and money."

The MetLife Mature Market Institute's tips focus on key areas that require attention to assure that one’s heirs receive what is intended and that people’s wishes regarding health care decisions are honored. For individuals, the tips aim to help one enjoy financial security and employee benefits during working years and in retirement. The publication identifies documents and planning tools recommended for estate, health care, financial and retirement planning, as well as optimization of employee benefits.

"Beyond marriage and partnership issues, LGBT individuals need to consider many other important directives that are tremendously important in order to assure that their heirs receive the legacy intended, that their wishes regarding health care decisions are honored and that those they care about enjoy financial security," said Michael Adams, executive director of SAGE. "This kind of information, especially when combined with the help of a qualified health care professional, attorney or financial planner, is critically important so that each of us can make the decisions that make sense for our individual situations."

Specifically, the Planning Tips address:

  • Estate Planning – Wills, trusts, contingent beneficiaries, guardianship and inheritance.
  • Health Care Planning – Durable power of attorney for health care or health care proxy, living wills, and priority of visitation.
  • Financial and Retirement Planning – Life insurance, long-term care insurance, disability income insurance, the various types of IRAs and annuities, bank account management, 529 plans and education savings accounts (ESAs).
  • Employee Benefits – Health care, life insurance, disability, pension, 401(k)/403(b), domestic partner benefits.

Since its inception, SAGE has pioneered programs and services for older people in the LGBT community, provided technical assistance and training to expand opportunities for LGBT elders across the country, and provided a national voice on LGBT issues. In 2005 SAGE became the first official LGBT delegate at a White House Conference on Aging. SAGE is the first LGBT member of the Leadership Council of Aging Organizations. In 2008, SAGE celebrated its 30th Anniversary with its 4th National Conference on LGBT Aging, sponsored by AARP. For more information, please see

The MetLife Mature Market Institute®
Established in 1997, the Mature Market Institute (MMI) is MetLife's research organization and a recognized thought leader on the multi-dimensional and multi-generational issues of aging and longevity. MMI's groundbreaking research, gerontology expertise, national partnerships, and educational materials work to expand the knowledge and choices for those in, approaching, or caring for those in the mature market.

MMI supports MetLife's long-standing commitment to identifying emerging issues and innovative solutions for the challenges of life. MetLife, Inc. (NYSE: MET), through its subsidiaries and affiliates, is a leading provider of insurance, employee benefits and financial services with operations throughout the United States and the Latin American, Europe and Asia Pacific regions.

For more information about the MMI, please visit:

"Planning Tips for LGBT Individuals and Couples" and "Still Out, Still Aging: The MetLife Study of Lesbian, Gay, Bisexual, and Transgender Baby Boomers" can be downloaded from They can also be ordered by filling out the MMI Contact form or by writing to: MetLife Mature Market Institute, 57 Greens Farms Road, Westport, CT 06880.


DJC Communications
Debra Caruso
Joseph Madden
Shalana Morris