GoldenCare Newsletter | February 27, 2017

In This GoldenCare Newsletter Edition From GoldenCare: Join our Featured Guest Speaker, National Marketing Director, Tom Randall, for In-Depth product training on Minnesota Life’s CareShield and GTL’s Critical Cash. Click here to reserve your seat. February is Kemper Rewards Month!  Get your Kemper apps in for 200 points for each qualifying applicant!  See www.goldencarerewards.com for promo details. Happy Selling! Our Guest Article is “New Solutions to Fund Your Retirement: Part 2 of 2″,” by Ken and Maddy Dychtwald, Huffington Post.  Enjoy! From Mutual of Omaha: Mutual has several announcements in this issue.   Pennsylvania approves lower inflation rates for Partnership effective
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Categories: Genworth, GoldenCare News, Industry News, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).

Kick Off the New Year with a Simpler, More Affordable LTCI Solution

Element is Simple to Understand, Easy to Sell & More Affordable Take advantage of Element’s streamlined underwriting No more automatic blood and labs for clients under age 65. One underwriting category that makes quoting simple and underwriting decisions quick. Coming Soon: E-Suite Featuring an E-Application with E-Signature and E-Policy delivery. Simplifying transactions and speeding up cycle times. Kick Off the New Year with a Simpler, More Affordable LTCI Solution   #goldencareagent #genworth
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Categories: Genworth and Long-Term Care.

“Prolonged Sleep May Be Early Warning Sign of Dementia,” by Roni Caryn Rabin, New York Times

“Older adults who started sleeping more than nine hours a night — but had not previously slept so much — were at more than double the risk of developing dementia a decade later than those who slept nine hours or less, researchers report.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Yawn. Prolonged Sleep May Be Early Warning Sign of Dementia #goldencareagent
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Categories: Industry News and Long-Term Care.

“Lowest stroke rates in older baby boomers; younger people rising,” Knowridge Science Report

“Stroke rates continue to decline in people 55 and older, while more than doubling in those between 35 and 39, according to new research in Journal of the American Heart Association, the Open Access Journal of the American Heart Association/American Stroke Association.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Looks like the cohort just coming of age for LTCI brings with them some new, worrisome risk. Lowest stroke rates in older baby boomers; younger people rising #goldencareagent
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Categories: Industry News and Long-Term Care.

Straight-To-The-Point Talk With Genworth Underwriting (Just 10 Minutes!)

Join Genworth for a quick, to-the-point talk to learn more about Genworth’s Underwriting. It’s so simple you don’t even have to be at the computer. Date: Tuesday, February 28, 2017 Time: 12:00 Noon – 12:10 PM Central Time Registration: https://attendee.gotowebinar.com/register/2789190900587261185 Simply register to get the dial-in number and reminder.   #goldencareagent #genworth
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Categories: Genworth and Long-Term Care.

AML has never been this easy! Update your course today

National Guardian Life (NGL) doesn’t want you to fall out of compliance. Below is a friendly reminder on how you can complete your Anti-Money Laundering (AML) training. Take 30 minutes to complete an online AML course So quick it can be completed over a lunch break, the NGL AML online course automatically notifies the carrier of your completion. You have no additional time commitment. Fax/Email your certificate If you have already completed the course with an approved carrier, fax a copy of the certificate with date of completion to 608.443.5042 or send via email to amlupdates@nglic.com. In addition to the
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Categories: Industry News and National Guardian Life.

Important Update for North Carolina Kemper HHC

Kemper Senior Solutions IMPORTANT UPDATE for North Carolina HHC: Effective April 1, 2017 the Home Health Care rates in North Carolina are changing for new applications. For in-force North Carolina HHC policies, the change is effective on policy anniversaries on or after April 1, 2017. North Carolina will now use the following HHC brochure: B-HHC-SS (04/17) NC. The prior brochure, B-HHC-SS (08/14) NC, should not be used on or after April 1, 2017. Printable versions of both the prior and new brochure, as well as the required forms, are available at the following website: http://portal.reservenational.com/forms.aspx. Questions? Please call 855.516.8528  
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Categories: Kemper and Short-Term Care.

Increased Benefit Amount for Priority Income Protection

On March 1, 2017, the maximum monthly benefit amount for Priority Income Protection will be increased from $2,000 to $4,000. This is great news for your clients who need basic disability income coverage. Priority Income Protection will pay your clients a monthly benefit after a 30-day accident/90-day illness waiting period has been satisfied. They have the option to select a benefit period of 12, 24 or 36 months. And it’s easy to apply. Just a few health questions and no medical exam required. For more information, visit the Priority Income Protection page on Sales Professional Access. (log-in required). If you
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Categories: Disability Income Insurance and Mutual of Omaha (& Affiliates).

“Using IRAs to reduce Medicare premiums,” by Mary Beth Franklin, InvestmentNews

“For the segment of Medicare beneficiaries who are 70 1/2 years of age or older and who are subject to both required minimum distributions from their traditional retirement accounts and Medicare premium surcharges, a new income tax rule that became permanent in 2016 can help reduce the pain. Beginning in 2016, a provision that had previously been extended on a temporary year-to-year basis now permanently allows older taxpayers to directly contribute up to $100,000 from an IRA to a qualifying charity without recognizing the assets as income. Spouses can each make their own separate contributions. Qualified charitable distributions (QCD) count
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Categories: Industry News and Medicare Supp./Adv..

“New Report Shows that Medicare Advantage Payments Won’t Keep Pace With Costs in 2018,” BusinessWire (press release)

“Millions of seniors who depend on Medicare Advantage (MA) plans could see cuts to their coverage and benefits if new payment changes take effect next year. That’s according to a new analysis by Oliver Wyman prepared for America’s Health Insurance Plans (AHIP). Earlier this month, the Centers for Medicare & Medicaid Services (CMS) released proposed changes to MA rates that will impact the 18.5 million seniors enrolled in the program. According to Oliver Wyman, these changes, if finalized, would result in an estimated 2 percent reduction to MA net revenues in 2018.” LTC Comment (from Stephen A. Moses, President, Center
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Categories: Industry News and Medicare Supp./Adv..