Long-Term Care Insurance

Everybody Needs a Plan

Your employees probably don’t think about needing long-term care (LTC), especially if they feel young and healthy. But now’s exactly the right time for you to help them plan for the future.

Protection for Their Future … and Your Business

Baby boomers and successive generations will enjoy unprecedented longevity compared to previous generations. The upside is obvious. But there’s a downside — the number of chronic health conditions that can require costly LTC. We can help you protect the financial future of your employees – and your business – with an affordable employer-sponsored LTC insurance program that:

• Protects their retirement plan. An ounce of prevention now can avert the disaster that an LTC episode can bring to financial portfolios.
• Gives them a choice about care. Although Medicare and Medicaid pay for some LTC costs, coverage may be limited.
• Eases the burden on their family members. LTC insurance allows family members to be involved in the caregiving process without being the primary provider.

Benefits That Fit You and Your Employees

Benefits of offering your employees access to an employer-sponsored LTC insurance plan include important tax advantages and other valuable features:

• Premium deductibility: Premium isn’t treated as income to employees.
• Income-tax-free policy benefits: You can carve out select classes of employees (legally “discriminate”).
• Simplified issue coverage: Enjoy unisex rates; there are no separate pricing structures for men and women.
• Corporate discounts: Take advantage of 100-percent portability.
• Ease of enrollment: Online and call center support are always available.
• One-on-one telephone consultations: Experience account management that’s easy and personable.

Fill the Gap

Fill the gap in your benefits portfolio by offering an employer-sponsored LTC insurance plan along with your other benefits offerings. LTC insurance can be confusing, and it’s critical that employers partner with a qualified advisor who can guide them and make it easy. Your advisor can help you own meaningful benefits that address your needs. Are you ready?

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