Long Term Care Insurance as an Employee Benefit

Do your current insurance offerings leave a gaping hole in your clients’ coverage? Are you leaving money on the table by not pairing Long Term Care Insurance with your other products, or capturing more business from your existing clients?

EM-Power Services has developed the tools and training to help insurance brokers capture more business and offer a valuable solution to their clients. We offer a proprietary sales and enrollment platform that secures employer contributions in more than half of all cases, with voluntary enrollments achieving up to 25% participation. And—EM-Powers’ enrollment platform capture more than five times the national average!

EM-Power works with every major carrier so you can customize a program that best fits each company’s need.

Our marketing program teaches you how to secure a 1-hour appointment with the decision-makers. It will also arm you with the 5-key agreements that cause employers to become emotionally connected to what Long Term Care Insurance can offer them and their work force.

Additionally, EM-Power will offer you these valuable resources:

1. A comprehensive quote engine that produces proposals with up to three carriers side by side. The proposal highlights the minimal cost to receive maximum discounts and underwriting concessions for employees and their spouses and showcases the ability to discriminate by having the Company pay for only the owner or key executives.
2. Electronic messaging software that produces custom communications to invite employees to educational workshops.
3. Custom enrollment materials for each employee.
4. Administrative support to address behind the scenes functions such as coordinating payroll deductions for employees, automated delivery of policies.

We’re confident that EM-Power provides the strongest solution out there with our comprehensive enrollment platform and specialized agent training. How can you benefit from adding long term care insurance to your offerings?

For further information please contact Doug Ross at 800-483-1115. x223, or e-mail dross@empowerltci.com.

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It’s really something else when we hear about people who pine away all their lives with hard work and savings, just to have it all wiped out with a single accident or illness. It’s especially tough when it happens to one of your employees; someone who devoted his or her energies into making your company successful and winds up falling through the health-care cracks due to lack of knowledge or the right coverage choices.

The biggest financial surprise hard-working Americans run into is the lack of coverage they thought they had, where they thought there was enough. It used to be nothing could fix this, but now corporations are learning about this gap and the choices they have to help their employees bridge their coverage. I’m not talking about raising the coverage amounts on traditional health insurance, I’m talking about reading the fine print in your company’s current offerings and learning where the gaping holes in coverage appear.

In what ways does the lack of long-term care coverage hurt working Americans?

Your employees may become impoverished when they must use their savings, equity, and retirement funds to pay for long-term care service fees they thought they were insured against.

Family members and loved ones must often significantly alter their lifestyles, curtail their careers, and carry the physical and emotional weight of caring for a sick, hurt, or disabled family member. They are also financially impacted when household funds are re-allocated for care.

Once a person has used all of his or her available financial resources, he or she will likely have to rely upon government assistance to continue care. In most instance, this means moving to a nursing home facility or institution instead of receiving in-home care.

Does your company have systems in place to address your employees’ long-term financial and health care needs? Does it include long-term care options?

Click to request a 15-minute briefing on long-term care and how it can benefit your Company. For more information call 800-483-1115 and speak with Doug Ross.

Tags: Assisted living, Class Act, Class Program, Community living Services and Supports Act, Education for long-term care, Employee benefits, Employee recruiting strategies, Employee retention strategies, Employer sponsored benefits, Executive benefits, Federal long-term care legislation, Federal long-term care plan, Financial planning, Government long-term care insurance benefits, group long term care, group long term care insurance, Home health care, long term care insurance, long term care insurance companies, long term care insurance plan, long term care insurance quote, Long-term care, Long-term care education, Long-term care insurance tax advantages, Long-term care planning strategies, LTC, LTCI, Nursing home insurance, Opt out long-term care insurance, Paying for assisted living, Paying for home health care, Paying for nursing homes, Tax advantages of long-term care planning, Voluntary long-term care insurance, Wealth preservation | Filed under: worksite Long Term Care | No Comments »

Many businesses offer their employees health and life insurance policies as well as sponsored savings programs. Employees have been conditioned to tuck away, grow, and protect whatever savings they can and many companies match what their people contribute on their own. But there is a hole in that safety net they surround themselves with, and it is not at all evident until someone falls through it.

This is where that one person in two who experiences a long-term health care issue, whether it be from an illness or accident, dementia, or a host of other physical problems, finds both financial misfortune and a devastating conundrum.

This is where, statistically speaking, half of us will find ourselves devoid of long-term assistance, quickly out of our life’s savings, and straining the relationships around us. It’s the part of future planning that gets neglected and that no current plan other than LTCI will address. And it’s why long-term care insurance is a benefit more and more companies are offering.

As an employer who wishes to offer its employees comprehensive benefits, is LTCI something that would add value to your organization? Could LTCI enhance benefits packages and make your company progressive in practice and aggressive in retaining key players?

If you are curious about how to offer Long Term Care Insurance options in your workplace, you are not alone. EM-Power is here to answer questions for you or your benefits broker about the options and strategies companies are using. EM-Power looks at all major market players and helps businesses decipher what they need and why.

We’re proud to be a leading authority on worksite LTCI implementation and we’re dedicated to providing you with clear, concise information about Long Term Care Insurance.

Is your company considering including LTCI in its benefits package? For a brief overview of how long-term care impact millions of working Americans click on empowerltci.com

For more information and answers to commonly asked questions surrounding LTCI, visit us at www.empowerltci.com or call 800-483-1115.

Tags: Assisted living, Class Act, Class Program, Community living Services and Supports Act, Education for long-term care, Employee benefits, Employee recruiting strategies, Employee retention strategies, Employer sponsored benefits, Executive benefits, Federal long-term care legislation, Federal long-term care plan, Financial planning, Government long-term care insurance benefits, group long term care, group long term care insurance, Home health care, long term care insurance, long term care insurance companies, long term care insurance plan, long term care insurance quote, Long-term care, Long-term care education, Long-term care insurance tax advantages, Long-term care planning strategies, LTC, LTCI, Nursing home insurance, Opt out long-term care insurance, Paying for assisted living, Paying for home health care, Paying for nursing homes, Tax advantages of long-term care planning, Voluntary long-term care insurance, Wealth preservation | Filed under: worksite Long Term Care | No Comments »

…for Employers and Benefits Brokers

Hello! And welcome to EM-Power Services. We are pleased to be your educational resource for Long Term Care Insurance (LTCi) plans in the workforce. Check back often for updates on what is happening with long-term care products, enrollment strategies for businesses and legislative initiatives affecting long-term care including the CLASS Act that is part of healthcare reform.

EM-Power Services provides education to employers on long-term care planning issues and helps them implement benefit programs that close a hole in the traditional safety net provided to employees. That’s right, I did say “hole,” and it’s a doozy that’s hard to see but impossible to avoid when people fall into it without warning.

If you don’t have an LTCI option for your employees, the 401k you are helping them build is at risk and there is a big no-coverage zone in your health insurance benefit that most employees don’t even know exists. This is true for owners, key executives and every day working folks. LTCI is a growing incentive that is placed in employment packages designed to attract and retain top personnel.

EM-Power Services is here to answer your questions about the Long Term Care Insurance marketplace and to help you implement planning solutions. We’ll team with your benefits broker to make sure you are offering your employees the education and coverage options they need. We are independent of any specific insurance agencies and help businesses decipher industry lingo so they can become informed decision-makers.

We look forward to getting to know you and offering you educational tips and solutions regarding LTCI in America. What do you know about Long Term Care Insurance? We’d love to hear from you!

Keep it here for upcoming topics including

• How to Offer Custom Enrollment Materials
• Opening a Discussion with your Benefits Broker
• How to Attract and Retain Quality Employees
• How to Conduct an Informative Session on Long-Term Care Insurance
• Questions you Should Arm Yourself with When Selecting a Provider
• How Much Assistance will the U.S. Government Give Me?
• What We All Need to Know about the CLASS Act

EM-Power LTCI helps educate employers about the benefits of offering Long Term Care as an employee benefit and matches them with qualified brokers to be of service.  Employers interested in learning more and broker looking to help employers in your area should contact Doug Ross at 1-800-483-1115.

Tags: Assisted living, Class Act, Class Program, Community living Services and Supports Act, Education for long-term care, Employee benefits, Employee recruiting strategies, Employee retention strategies, Employer sponsored benefits, Executive benefits, Federal long-term care legislation, Federal long-term care plan, Financial planning, Government long-term care insurance benefits, group long term care, group long term care insurance, Home health care, long term care insurance, long term care insurance companies, long term care insurance plan, long term care insurance quote, Long-term care, Long-term care education, Long-term care insurance tax advantages, Long-term care planning strategies, LTC, LTCI, Nursing home insurance, Opt out long-term care insurance, Paying for assisted living, Paying for home health care, Paying for nursing homes, Tax advantages of long-term care planning, Voluntary long-term care insurance, Wealth preservation | Filed under: worksite Long Term Care | No Comments »