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LTCi - Protecting the Future of Your Business

	Long-Term Care Insurance is the fastest growing employee benefit offered by companies.
	Offering Long-Term Care Insurance is another way to attract and retain top employees.

The Benefits to Your Company:

Coverage can be offered by the employer, but paid for by the employee: By having your company "sponsor" a Long-Term Care Insurance offering, your employees can pay for their own coverage, and get a discount on the premium because they work for your company. You're protecting the future of your business without any out of pocket expenses to your business.

Reduce the employer’s absenteeism rate: Caring for parents is a growing problem that costs employers over $17 Billion annually. Long-Term Care Insurance provides funds so someone else to care for your employees aging parents, while your employee can continue to work. Protection is also available for your employee's parents, in-laws and the spouse.

Many of your clients’ employees are already investigating the purchase of Long-Term Care Insurance from another source: By offering them a Long-Term Care Insurance benefit, you've saved them the time of researching policies, and you can provide them discounts through the workplace.

As an employer, if you decide to pay for the coverage, you may be able to discriminate among which employees will receive coverage. (See your tax advisor for specifics.)

Your employees will receive a lower premium by obtaining coverage at a younger age: The cost of LTC coverage increases each year by age; once coverage is purchased, the "Issue-Age" premium rate applies for life.

Your employees are more likely to qualify for "Preferred Health" discounts: In fact, approximately 10% of people who wait until age 65 to purchase Long-Term Care coverage will no longer qualify because of poor health.

Learn More About Tax Advantages for Your Client:

C-Corporations
S-Corporations
Self-Employed