We’re asked daily, what can I send or share with my clients for Group LTC?  Check out this new piece we put together to help brokers initiate the Long-Term Care conversation with employers.  Need more information? Check out these additional talking points:

Why Offer this Benefit?

• Coverage helps employees protect their retirement income & lifestyle
• The “missing piece” of Financial Wellness or Retirement Readiness programs
• More and more employees have personal experience with Long-Term Care

What are the Program Advantages?

• Discounted gender-neutral rates
• Simplified issue (SI) underwriting
• Robust educational campaign
• Ease of enrollment (online with call center support)  
• Can be offered on a Voluntary or Employer-funded basis
• Unique and preferential tax treatment (for employer-funded cases or for employees with HSAs)

Who Buys Group LTC Insurance?

• Employees between the ages of 40-65
• Spouses or domestic partners
• Employees who participate in a 401(k), 403(b) or other retirement savings plan
• Household income over $60,000/year

Why Offer this Coverage Now?

• Retirement planning & healthcare (Long-Term Care) is a growing concern for employees
• Rates are determined by entry age and do not increase due to aging
• Market entries or re-entries are likely in 2018
• LTC Insurance is an emerging Voluntary & Executive Benefit