It’s imperative that we continue to look for alternate ways to manage the long-term care (LTC) risk, and that’s how I’ve been spending much of my time. For example, I’m looking at a number of annuities that provide long-term care benefits. Why annuities? Because underwriting for traditional LTC insurance has become rather challenging. For those …
Tag: reimbursement
Feb 04
How Do You Get a Claim Paid?
Over 99% of long-term care insurance policies sold today are tax-qualified,* which means the way to get a claim paid is the same as it is Federally controlled in order for the premiums to be tax-free according to IRS guidelines and enjoy other tax incentives. Just like you can need care physically or mentally, you can trigger the benefits in one of those two ways.
Dec 17
The Employee Education Presentation
I will do a series of posts on how to conduct the essential long-term care insurance employee education so that employees of all ages apply along with their spouse and eligible family members. If you can’t wait for all of the posts, you can always grab a copy of my book, Phyllis Shelton’s Worksite Long-Term …
Mar 13
Your Customized Benefit Selection Process
The following is an abbreviated section from my book The ABC’s of Long-Term Care Insurance – keepin’ it REALLY simple for you, folks! To simplify the benefit selection process, there are six major choices that impact a premium. Here is each choice and a recommendation. 1a) Daily or Monthly Benefit – Look at the average …
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The ABCs of Long Term Care Insurance
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Protecting Your Family
With Long-Term Care Insurance
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Protecting Your Family
With Long-Term Care Insurance
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