Long-Term Care Employer Benefits
A Long-Term Care (LTC) benefit is one of the highest perceived value benefits offered to employees.
At Insurance Advisors we are industry Long-Term Care experts ready to help navigate to the right options for you and your employees. We work with you and your current agent, walking your employees through a smooth educational and enrollment process.
By providing your employees with an opportunity to protect their retirement, potentially get simplified underwriting and education on the important topic of Long Term Care there are many key employer benefits.
Help recruit & retain key employees
Tax deductible just as health insurance is
Completes the retirement package
Not subject to ERISA – Flexible structure to match your benefits package
Employee Benefits of Coverage:
Protects and completes retirement package
Group rates – lower than open market
Spouses/partners can apply
- – Couples discount
Possible Simplified Underwriting for employee and partner
Opportunity to get coverage while young and health at lower premiums
Premiums can be paid using HSA
We Make it Easy!
Provide education to employees
Structure the benefit to match your benefits strategy
We work with you to effectively market and communicate to employees
Enrollments can be done in person at a local level or virtually in any state
Ongoing administration support
Take the Next Steps:
Review with your agent the benefits of offering an LTC Employee Benefit
Submit request: Submission Form & Agreement, Census
Review Quoted Options
Determine Rollout Timeline: Market, Employee Presentations