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------=_NextPart_01C58249.E863DF50 Content-Location: file:///C:/DF2E22B3/Sponsored_Group_Presentation_for_Employers_files/pres.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01C58249.E863DF50 Content-Location: file:///C:/DF2E22B3/Sponsored_Group_Presentation_for_Employers_files/slide0022.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" No Slide Title ------=_NextPart_01C58249.E863DF50 Content-Location: file:///C:/DF2E22B3/Sponsored_Group_Presentation_for_Employers_files/slide0001.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" No Slide Title
oOffer Long-= Term Care Insurance to employees with a 5%-10% discount depending on the carrier.
oAdded benefit to offer employees.
oOnce the policy is purchased it is portable. If the employee leaves the group t= hey can take it with them and keep the discount.
oLittle or no cost to the Employers for employees to purchase.
oDiscounts are available to spouses (domestic partn= ers where approved), parents, parents-in-law grandparents and children (including adopted and fostered) of an employee.&#= 13;
o
o
o
Sponsored Group
Program Advantages
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Sponsored Group
Program Advantages
oEmployers who pay LTC insurance premiums on behalf of an employee will be entitled to deduct 100% of the premiums as a business <= /span>= expense. oEmployer can be selective when paying LTC <= /span>insurance premiums – does not have to pay premiums for all employees. oReduction in absenteeism among employees who otherwise need more time off from work = to care for a family member.
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oOne illness or injury requiring long-term care cou= ld deplete your savings. oThe national average nursing home cost is $55,000&= sup1;. This cost can run = as high as $93,000². oOf the 22.4 million American Families, nearly on fourth of all households provide care to elderly relatives³.<= /div>
Long-Term Care Facts
  1. United States Accounting Office, 2001. =
=   2. NY State Partnership of Long-T= erm Care, 1999.
=   3. Study by Brandeis University&#= 8217;s National Center of Women and Aging, December 1999.
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oOver half of all caregivers are in their prime wor= king years.  54% are between 35 and 64 years of age¹. oIn recent studies of family caregivers, the averag= e loss in total wealth (wages, pensions and social <= /span>security benefits) was more than $650,000 over the= ir lifetime². o70 million people will be age 65 or older when the= last of the Baby Boomers retire in 2030 - double the number today.³
Long-Term Care Facts
1. Coning & Company, Long-Te= rm Care Insurance, Baby Boom or Bust, 1999, p,13
2. National Alliance for Caregiv= ing and the National Center for Women and Aging at  Brandeis University, November = 1999.
3. American Council of Life Insu= rance, 2000.
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Value To Your Employees
<= span style=3D'font-size:88%'>o<= /span>Growing need/Increased interest =
o<= /span>Provides opportunity for “extended family= 221; coverage oMeet a need that will not likely be addressed by public funding = oHelps employees and their families to protect savings and assets o<= /span>Opportunity to purchase a quality insurance policy
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oMeaningful coverage= 3;
oAffordable coverage ov= er the long-term
oFlexible plan design a= nd administration
oConsistent with state = and federal regulations
oPremiums may be tax deductible
•
Plan Design Objectives
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o<= /span>Reimbursement Model
o<= /span>Comprehensive Benefits
o<= /span>“Pool of Dollars” Approach
•
Flexible Product Design
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oLTCI Benefit Amount
oMonthly Benefit: $1,500-$15,000 (In $100 increments)
oDaily Benefit: $50-$500 (In $10 increments)
oBenefit Periods - 2, 3, 4, 5, 6, 10 Years or Lifetime
oElimination Period: 30, 60, 90,180, or 365 Days= 3;
oInflation Protection – GPO, 5% Simple, 5%/3%= Compound or 5%/5% Compound
oPayment Options&n= bsp;
–<= i>10-Pay
–<= i>Paid-up at age 65
•
•
Benefit Selections*
*Benefits vary depending upon
 age and state where purchased.
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Additional Benefits¹
o<= /span>Respite Care
<= span style=3D'font-size:113%'>o<= /span>Care Advisory Services (CAS)
o<= /span>Stay-at-home Benefit
o<= /span>Bed Hold Benefit
o<= /span>International Coverage
o<= /span>Advantage List
1 Benefits vary by state<= span style=3D'font-family:Arial;font-size:50%;color:olive;mso-color-index:3; mso-special-format:lastCR;display:none'>
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<= span style=3D'font-size:109%'>o<= /span>All levels of nursing home care
o<= /span>Home health care
o<= /span>Adult day care
o<= /span>Care in Assisted Care Living
o<= /span>Respite Care
Covered Services
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oVarious health ratings to meet a wide range of health situations.
o
o
Underwriting Flexibility
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‹header›
= ‹date/time›
Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
‹footer›
‹#›
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