Posts Tagged ‘worksite Long Term Care Assisted living | Filed under: Class Act’

New Data on Long Term Care Costs

Posted on May 23rd, 2011 by Em-Power Services

John Hancock Releases Results of Nine Year Study

According to a John Hancock Insurance study released recently, the average cost of nursing home care in the U.S. is now $85,775 annually for a private room and $75,555 for a semi-private room.

The cost is $39,240 annually on average for an assisted living facility. And the average cost of home care is approximately $20 per hour.

Nursing home care costs nationally have risen an average 3.2 – 3.5 percent per year over the last nine years. The average cost for a home health aide has risen 1.3 percent per year.

John Hancock surveyed more than 11,000 providers in cities across the country. The study then calculated a 9-year average using data from past reports. You can see more from John Hancock here.

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Can you share a service that has been critical to your success?

Posted on August 11th, 2010 by Em-Power Services

Agent Sales Journal recently interviewed insurance broker Joe Imparato of Tuckley & Shepley Benefits Insurance, LTD in Boston.  During the interview they asked him to identify a resource, service, software, or program that has been critical to his success.  We were honored that out of all of the available tools he chose to shine a spotlight on Empower services.

Thanks Joe.  Here’s the question and a link to the full article.

Q: Can you share a resource, service, program, or piece of software that has been critical to your success?

Joe I: I was terminated from TIAA-CREF, and that is where I got my start for my own business. I had great brand-name clients to start with. I worked with EM-Power to get into LTCI. I use their system for prospecting and sales. Anne and I use the EM-Power system for prospecting and sales for employer-sponsored multilife cases.

Their system includes PowerPoint presentations, a prospecting kit (binder with all HTMLs, letters), everything with the process of putting in place a multilife case. They have a software program where you can show prospects a six-minute tutorial that they can click to from my email. It is a turnkey system from when we meet with a business owner or human resources person.

We show them that we have everything that it takes to roll out the program, from the accounting bill to how employees sign up. When I sit in front of them, they’re making a carrier choice, not how are we going to do it. Every little inch is covered with this.

HR’s biggest fear is that it’s easier to do nothing than to risk introducing a new voluntary benefit. If they have an attachment to the product, we reduce their fears that administration will be painful or burdensome. We are usually chosen over their existing broker to offer LTCI because of the complete package and solution we bring to their institution.

We’re proud to have Joe and Anne as partners.

Empower helps employers of all sizes implement long-term care insurance benefit programs in the workplace and conducts workshops & educational classes concerning LTC and the CLASS Act for employers and employees. If you would like to know more about the CLASS Act and how it might impact your company call us.

We also provide resources, training, and assistance to brokers looking to educate and help their clients with Long Term Care and understanding the CLASS Act.

For help or more information contact Doug Ross at 800-483-1115, send an email to, or visit our site at

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