“4 Signs You Need to Seek Long-Term Care for Your Aging Parent”

“4 Signs You Need to Seek Long-Term Care for Your Aging Parent,” by Anna Medaris Miller, US News & World Report Quote:  “1. They can’t get organized. . . . 2. They’re letting hygiene slip. . . . 3. They’re declining physically. . . . 4. You don’t have the bandwidth.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): These are the four signs. Click through to the article for details. 4 Signs You Need to Seek Long-Term Care for Your Aging Parent #care #parent
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Categories: Industry News and Long-Term Care.

“Medicare Spends Far More On Older Adults Who Need Personal Assistance”

“Medicare Spends Far More On Older Adults Who Need Personal Assistance,” by Howard Gleckman, Forbes “This study is important because it highlights the consequences of the flawed way we care for older adults:  Medicare does not pay for personal assistance yet those who need it are likely to be very high users of medical care, which Medicare does pay for. The study results imply that we could reduce Medicare’s medical costs if we provide cost-effective personal care for older adults.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): This study implies no such thing. Of course
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Categories: Industry News and Long-Term Care.

“3 New Findings About Long-Term Care Planning Prospects’ Emotions”

“3 New Findings About Long-Term Care Planning Prospects’ Emotions,” by Allison Bell, ThinkAdvisor “Here’s a look at three of the survey team’s findings. Many people have a hard time admitting that they would have negative feelings if they suddenly had to provide care for a loved one. . . . Members of Generation X expressed the strongest emotions about caregiving. Many baby boomers, or people born in 1946 or earlier, may already be retired, and may already be providing care. Many millennials, or adults born between 1980 and 1999, may have no young children to take care of, and only
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Categories: Industry News and Long-Term Care.

Good News | Tools & Resources to Help you Start the LTC Conversation

  Long-Term Care Awareness Month Begins TODAY! November is LTC Awareness Month – the perfect time to have that important planning conversation with your clients. Several educational resources have been made available: Click below to check out the tools and resources available: “Start the Conversation” Flyer Mutual of Omaha is providing helpful tips you can use to prepare yourself to start the LTC conversation. 2017 Cost of Care Consider sharing with your clients both the current and projected costs of long term care where they live — or plan to retire. Customer Stories These Long Term Care video testimonials are
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Categories: GoldenCare News, Industry News, and Long-Term Care.

News from United Security Assurance: Updated Website!

Our website has a new look! Same web address … new design. Thank you for your patience during our remodeling process. We hope you’ll like the improvements we’ve made to our website, www.usaofpa.com. Our newly designed site incorporates a more intuitive structure for a cleaner, simpler layout allowing you to quickly locate information with fewer clicks. Registered agents can: Download tha latest version of our quoting software View, download, or print product material Sign-up for lead program Access e-Apps and other relevant information To gain access to our product materials and quoting software, licensed USA agents will need to register
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Categories: Industry News, Long-Term Care, Short-Term Care, and United Security.

Annual Enrollment Period = More Dental Enrollments

Why you should sell dental during Annual Enrollment Period. Annual Enrollment Period is the busiest time of year for Medicare agents. It’s also when the top agents cross-sell the most PrimeStar dental. Check out this short video to hear from Bryan Derheim and Diego Coig, Regional Managing Directors at Ameritas. They provide insight into why you should sell dental now, instead of waiting until after AEP. Plus, they offer tips on what to be looking for in a carrier, to minimize the effort needed to incorporate dental into your sales process     Annual Enrollment Period = More Dental Enrollments
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Categories: Ameritas/Security Life and Dental.

New Sentinel Website

It’s a new dawn, it’s a new day, it’s a NEW WEBSITE… for you! We are revamping our website to better serve our agents and clients and we are excited to share a sneak peak of the beta version with you! Click on the link below to view our beta website, and please take a few minutes to give us any feedback on how we can improve. Sentinel’s Beta Website #goldencareagent #sentinel
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Categories: Industry News, Life Insurance, Medicare Supp./Adv., and Sentinel Security Life.

Introducing a NEW Inflation Option for SecureCare!

Giving your clients more choices for their LTC protection, Securian now offers four inflation options: 3% simple, 3% compound, 5% simple and 5% compound interest.1 See how SecureCare stacks up in compound inflation scenarios. > View Competitive Flyer   Please note: The eApp will be updated to reflect this option on November 8th. Until this time, if the 3% Compound Interest Inflation Protection Agreement is selected, please notate that in the comment field.   1 – If the Long-Term Care Inflation Protection Agreement is elected at time of policy application, clients must take the maximum monthly long-term care benefit payment
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Categories: Industry News, Linked Benefit/Hybrids, and Minnesota Life.

Introducing the LTC Prescreen Flyer

Many factors go into evaluating long-term care insurance applications and whether people are eligible for coverage. We’ve created a prescreen flyer you can discuss with your clients before determining whether to proceed with completing an application. The LTCi prescreen flyer includes a partial list of the kinds of conditions and situations that we consider when reviewing applications and underwriting coverage. The list of pre-submission underwriting considerations and disqualifying conditions can help determine the impact your client’s insurability. The LTC Prescreen flyer is available to order on all usual ordering systems. To review the flyer, please click here or click the
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Holiday Solicitation Bans for the Month of November 2017

Please be aware of the following holiday telephone solicitation bans for the month of November: On Wednesday, November 1, 2017: Louisiana prohibits unsolicited marketing calls to residents in observance of All Saints’ Day On Friday, November 10, 2017: Mississippi prohibits unsolicited marketing calls to residents in observance of Veterans’ Day On Saturday, November 11, 2017: Alabama, Louisiana, Mississippi, Rhode Island, and Utah prohibit unsolicited marketing calls to residents in observance of Veterans’ Day On Thursday, November 23, 2017: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Thanksgiving On Friday, November 24, 2017:
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Categories: Industry News and Mutual of Omaha (& Affiliates).