Group LTC Benefits Blog

Trina Brown

Trina Brown is a business development lead for employee and executive long-term care solutions at LTCI Partners, LLC, one of the nation’s largest Long-Term Care Insurance (LTCI) retail and wholesale brokerage enterprises. Trina graduated from Florida State University, where she received a BS in International Finance. After graduation, Trina remained countryside and accepted a position to launch Capital Administrative Services, Inc. (CAS), a new third party administrator for employee benefits out of Tallahassee, Florida, and served as Executive Director and Board Vice President until 2012. During Trina’s tenure with CAS she procured voluntary benefits for over 110,000 state employees and helped secure CAS as a leader for employee benefits and individual life insurance planning in the State of Florida. Trina’s determination to enhance the awareness for long-term care planning resulted from her dual role where she served as Director of Long-Term Care for Capital’s sales agency and worked in tandem with Capital’s Regional Vice President’s to develop and implement retail product and sales training for agents. Now for over a decade, Trina has had the pleasure of helping brokers, advisors and consumers find a long-term care solution and she understands the challenges in starting a dialogue about this type of planning. Whether serving consumers directly, or supporting professionals who do, Trina is committed to providing LTC awareness and peace of mind so that more Americans have a plan in place to protect their family’s well-being, retirement income and comfortable lifestyle in those “Golden Years.” Trina is a member of the National Association of Insurance and Financial Advisors (NAIFA) and shares the passion to protect the business of insurance and financial services. Trina served as former President Elect of the NAIFA Tallahassee and current First Vice President and Membership Chair for NAIFA Chicago, where she also lives downtown in the River North area.

Recent Posts

What's the Secret?

We’re asked all the time – what’s the secret to a successful Voluntary Group Long-Term Care (LTCI) enrollment? With industry average participation rates around three to five percent, how are we consistently outperforming our competitors or outpacing the market? Beyond our experience, there are success factors that show up consistently before and during these enrollments.
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Is Long-Term Care a Gender Issue?

Why is Long-Term Care a woman's issue? Two words—longevity and caregiving. Are you ready for the hard truth or facts?
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The Good, the Bad and the Ugly

Do you remember the film "The Good, The Bad and The Ugly"? With an evocative title like that, it's hard to forget this 1966 Clint Eastwood movie. When applied to group long-term care insurance opportunities (instead of spaghetti westerns), thinking in terms of "The Good, The Bad and The Ugly" may help you sort through which clients are good (and not so good) candidates for coverage.
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Case Study - Voluntary Group LTCI Enrollment

As you may know, the Group Long-Term Care (LTC) Insurance market has experienced many changes over the past 3-5 years.  We’ve seen in-force rate increases and carriers suspending new sales or exiting the marketplace.  However, there remains a handful of carriers that are committed to this space, plus we’ve seen a significant increase in consumer awareness.  Both employers & brokers are demanding solutions for this important planning…and we can help!  
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7 things employers and employees don't know about HSAs

Health Savings Accounts continue to gain popularity as a health coverage/savings option for employers and their employees. Yet, there are still some common misconceptions and a lack of awareness surrounding some HSA features and benefits.
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Group Long-Term Care Underwriting: SI is the new GI

Spread the word, there’s a new normal in underwriting group long-term care – it’s known as simplified issue (SI).  The days of underwriting a group’s long-term care plan with pure guaranteed issue (GI) rates are a part of the history books.  In fact, there remains only one “true group” long-term care insurance carrier actively offering new business but it’s not 100% GI underwriting. 
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The next big trend... Long-term care planning in financial wellness

Many companies today are beginning to feel a sense of responsibility for the financial wellness of their employees, impacting the benefits they offer, according to the latest Bank of America Merrill Lynch Workplace Benefits Report. 
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[Webinar Replay] What's new, good and different in Group LTCI

Many businesses are recognizing that their owners, leaders, key executives and employees should include Long-Term Care (LTC) planning as an essential part of their retirement planning. This planning can help Americans prepare for a costly and usually unfunded health care liability. Customized employer-sponsored LTC insurance plans can provide a cost-effective solution to this often overlooked gap in retirement plans.
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LTCI Case Study: Mid-Size Employer Group

As promised, here's another group long-term care (LTC) case study...  
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Why add LTCI to an executive benefits package?

Long-term care insurance (LTCI) should be an essential part of every company’s benefits package. One strategy to offering LTCI benefits is to purchase an executive carve out (ECO) plan. The ECO plan allows the employer to select particular employees based on specific criteria, such as tenure, title, or salary, all of which are pre-determined by the employer. The ECO benefits the employer, the executive and can benefit all other employees by offering a voluntary plan during an open enrollment period. Take a look at these 4 reasons...
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