Group LTC Benefits Blog

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?
Read More

What's one of the Toughest Jobs Around? And the pay Stinks!

It's CAREGIVING for a loved one.  I'm not sharing this just because we're in the last few days of LTC Awareness Month.  I'm writing about this because the issue of Long-Term Care is real, it's growing and has been on my mind in the days leading up to Thanksgiving. I have a lot to be thankful for, but this has been a tough year for the Cain family.
Read More

Tips for better communication during open enrollment

With many employers entering into open enrollment season, it is important that employers are working to effectively communicate with their employees the benefits available and the importance of the benefits to add to their benefits portfolio. Many employees fall into the “I already have that benefit” trap when they should be reevaluating each year the benefits they currently have and potentially new benefits to purchase. Employee Benefit Adviser put out the article 10 tips for better communication during open enrollment.
Read More

Long-term care planning is more affordable than you think

Long-term care planning is important for everyone, not just for people who can afford the best plans. Long-term care insurance planning shouldn’t be looked at as a get the best plan design or get nothing approach. Many worksites offering long-term care insurance suggest a plan design which is affordable yet will still allow for good coverage when the insured needs the benefits. Steve Cain, principal and national sales leader for LTCI Partners is an advocate for long-term care planning in the industry and realizes the importance for the mass middle to be prepared for a long-term care event. Steve was quoted in Employee Benefit Adviser discussing the importance of planning and working to tailor plan designs for the mass middle.   Steve Cain, a principal and national sales leader with LTCI Partners, a Madison, Wis.-based brokerage specializing in LTC insurance, observed, “There’s a resounding trend of carriers and distributors trying to tap into the middle market. For people who have investible assets or a high income, the penetration rate is pretty solid. We’ve done a good job as an industry upstream. The real opportunity is in the mass middle. The carriers are turned on to this.” Read the entire article,  New plan designs make long-term care insurance more affordable by Leah Shepherd. 
Read More

Long distance caregiving doesn't have to be a challenge

With many adult children living far away from their parents, long-distance caregiving has become reality. Many adult children are seeing their parents age but are feeling paralyzed by distance to do anything. Many times the adult children are working full-time and do not have the luxury of long trips to take care of mom and dad therefore they are needing to get creative with caregiving options. Luckily for these long-distance adult children, they are not alone. There are solutions available for long distance caregiving, the key is to be educated to what is available and how to best handle the situation.
Read More