Executive LTC Services Corporate Solutions

Concerns for Today’s Businesses

Corporate Solutions

Today challenges to your business comes fast and furiously

“The successful person makes a habit of doing what the failing person doesn't like to do.”

- Thomas Edison -

Why Employers Offer LTC

The awareness of long term care insurance has increased greatly. Employers are encouraged by employees to offer long term care as an employee benefit. The reasons for this increase vary from personal experience with a long term care event or federal awareness campaigns that have targeted baby boomers.

Deficit Reduction Act

The clear message from the federal government to American families.

***Planning for Long Term Care is your responsibility***

Don’t Assume You're Covered

FACT: Long Term Care is NOT covered by

•Individual Medical Plans
•Group Health Plans
•Medicare

•Medicare Supplement
•HMOs (Regular or Medicare)
•Disability Income Insurance

Elder Care issues are expected to out number child care issues in 2005

Neither health insurance or disability insurance is intended to pay for potentially devastating long term care costs.

Executive retention is of great importance.

With advanced strategy, LTCI has the ability to help retain key employees. Ask Us How Click Here

Long Term Care /Extended Care
Costs American Business Plenty!!

Lost Productivity = Lost $$
Billions in productivity lost every year
WHY??

Hidden costs of not providing a

Long Term Care Plan.

Because of their care-giving responsibilities.

Families make workplace adjustments

• Decreased hours
• Deal with crisis
• Make up work on
evenings/weekends
• Telephone calls
• Took leave of
absence

• Unexpected days off
• Leave work early
• Retired early
• Late to work
• Full to Part Time
• Quit Job

Families find a way to honor their commitments!

In addition to the employee, coverage is extended to spouses, parents, parents-in-law, step-parents, grandparents and grandparents-in-law of the employee.

The choice of who can be eligible is up to you? (All family choices are voluntary and require no administration from the employer.)

Long Term Care is Easy to Offer

Why Choose LTCI

Flexibility to meet your business objectives

Purchasing tax-qualified Long-Term Care Insurance is good sense AND good business because:

The premiums paid for tax-qualified LTC are tax deductible as a business expense.
Employers can select the class of participants they wish to cover, as LTCi is not subject to non-discrimination rules.
Premiums paid by employers are not taxable income to employees.
Benefits received by policyholders when they need care are tax free.
With generous federal tax benefits and credits available, it's affordable for businesses to help employees obtain coverage.
Multiple benefit level options, costshare options, ability to choose the class of employee to offer benefits.

An executive carve out benefit for owners/partners

(Ability to fund a retirement benefit with pre-tax or untaxed dollars.)

LTCI is Easy

Discounted Rates
Favorable Tax Advantages
Policyholder benefits non-taxable
Flexible Plan Design / Voluntary options
Streamlined enrollment / underwriting process

Executive LTC Services is staffed with exceptional consultants who undergo extensive and continuous training.

Our first-class professional group is dedicated to consistently earning your trust and ensuring your success.

We are especially well positioned to broker benefits at an exceptional value for employers.

Executive LTC Services focus and experienced team of specialists allow us to clearly communicate complex information to your staff.

Our specialists provide a smoothly integrated process of plan implementation and ongoing support on a national level. Contact Us Today