Employer Ltc Presentation

EMPLOYER SPONSORED LONG TERM CARE INSURANCE ,[object Object],For Agent Use Only

What is Long-Term Care ? ,[object Object],[object Object],[object Object],[object Object],[object Object],For Agent Use Only

Will You Need Long-Term Care? ,[object Object],[object Object],[object Object],[object Object],Rogers, S., & H. Komisar. Who needs long-term care? Fact Sheet, Long-Term Care Financing Project. Washington, DC: Georgetown University Press, 2003. For Agent Use Only

Contributing Factors to Increased Need for Long-Term Care ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],For Agent Use Only

Why LTC Insurance for Your Business? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],For Agent Use Only

Impact on Employer & Employee ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],1 Caregiving in the U.S.: Findings from the National Caregiver Survey." National Care giving Alliance and AARP. May 2005. http://www.caregiving.org/pubs/data.htm 2/3 The State of Aging and Health in America 2004. For Agent Use Only

The Solution Employer Sponsored Long-Term Care Insurance For Agent Use Only

Tax Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],For Agent Use Only

Corporate Participation Alternatives “Section 105 Medical Reimbursement Plan” ,[object Object],[object Object],Administration Management Length of service Income For Agent Use Only

[object Object],[object Object],[object Object],[object Object],Where do you draw the line? Rewarding your most important Employees with much needed Risk Protection and Peace of Mind is simply Good Business! Even moderate Employee benefits chosen at the Employers discretion can dramatically reduce underwriting and increase available protection.

Benefits and discounts vary from company to company. Premium Discounts – 5 to 10% Marital Discounts – 15 to 30% Simplified Underwriting – Ranges from simplified issue to guarantee issue. (Depends on corporation’s level of participation.) *Spouses may also receive simplified underwriting. Employer Sponsored Program Highlights For Agent Use Only

Metrics for decision to offer Long-Term Care Insurance ,[object Object],[object Object],[object Object],[object Object],*Average premiums could be less with a smaller employer sponsored core benefit. *Average premiums may be higher with an employer sponsored carve-out benefit. For Agent Use Only

As part of the package… ,[object Object],[object Object],[object Object],[object Object],For Agent Use Only

Let’s put this into perspective. ,[object Object],[object Object],For Agent Use Only

For approximately 1% of your overall employee payroll costs you can: ,[object Object],[object Object],[object Object],[object Object],[object Object],1% For Agent Use Only

Your cost was gathered from 7 highly rated insurance companies ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],For Agent Use Only

The decision is yours. Employer Sponsored Long Term Care Insurance Benefit Basic Benefit for All Employees Voluntary Paid Employee Benefit Executive Carve-Out America’s Long Term Care Insurance Experts will help you choose the company that fits with your decision. For Agent Use Only

Employer Ltc Presentation

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