“Debunking Five Common Myths About Long-Term Care Planning,” by Kara Gansmann, WilmingtonBiz Insights “These misconceptions are worth revisiting to debunk them once and for all. . . . Myth 2: I have to spend all my assets to be eligible for Medicaid. Families may choose to spend all their assets on care. Elder law attorneys determine the best approach for each family by considering the needs of any at-home spouse, the amount of time available to plan, the family’s goals, and the types of assets. By using tools like trusts and annuities, families can preserve assets and still qualify for
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“Healthcare prices hard to find online”
“Healthcare prices hard to find online,” by Lisa Rapaport, Reuters “Consumers who search online for prices of common medical procedures may be disappointed by what they find, a U.S. study suggests. . . . They did a simple search, such as ‘cost of hip replacement in Los Angeles,’ swapping in different medical services and cities each time, to see how often the results would lead consumers to a price. Of 1,346 websites in the search results that weren’t advertisements, only 234, or 17 percent, provided geographically relevant price information, the study found.” LTC Comment (from Stephen A. Moses, President,
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Omaha Holiday Office Closings
Mutual of Omaha and its affiliates (United of Omaha, Companion Life Insurance Company, and United World) will be closed on the following days: Monday, December 25th Monday, January 1st From everyone at Mutual of Omaha, we wish you happy holidays and safe travels! Holiday Office Closings #goldencareagent #mutualofomaha #happyholidays
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New LTCi Sales Idea Flyers
Mutual of Omaha’s long-term care insurance policies have several great benefits. New sales idea flyers were created to help you promote these benefits to your clients. Buy-Up Option — allows clients to increase inflation protection once a year. (Available only on MutualCare® Custom Solution policies.) Cash and Reimbursement Benefits — let your clients choose how they want to receive benefits. Return of Premium — an additional rider that can be offered to clients if they are hesitant on buying an LTC policy. There is an additional charge for this rider. Care Coodination — a built-in benefit that will help clients
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Good News | Omaha’s Sales Idea Flyers Put Focus On LTCi Features That Sell
New LTCi Sales Idea Flyers Mutual of Omaha’s long-term care insurance policies have several great benefits. New sales idea flyers were created to help you promote these benefits to your clients. Buy-Up Option — allows clients to increase inflation protection once a year. (Available only on MutualCare® Custom Solution policies.) Cash and Reimbursement Benefits — let your clients choose how they want to receive benefits. Return of Premium — an additional rider that can be offered to clients if they are hesitant on buying an LTC policy. There is an additional charge for this rider. Care Coodination — a
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DI Underwriting Enhancements
We appreciate your Disability Insurance business and valuable feedback. Our Disability Income Underwriting has invested time and resources in an effort to standardize delivery requirements and improve communication with our business partners. After listening to your feedback, the enhancements below are now implemented: Initial Review Complete Email Enhancements Case managers will add attachments such as missing app information, missing forms, and app corrections Memos (emails) will be added to clarify what is still outstanding or needed Notification Follow-up Case managers will reach out via phone call one week after the initial email is sent, if no action has taken place
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Coming Soon: Updated Living Promise e-App
When we update the Living Promise (Final Expense) e-Application to consolidate screens and add additional features to Living Promise we want you to have the smoothest transition process. We will have two Living Promise versions displayed on the Case Information screen during the transition period so you can access your pending applications without losing any information or disrupting your business in the process. Below you will find a guide for which version you will need to select based on your case status after the install. Locked Case: Select Living Promise (DO NOT USE for New Business) and continue through the
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Happy Holidays from United Security Assurance
We are truly grateful for the many relationships we’ve built, over the years, with the hard-working agents we serve everyday. Wishing you a season of joy and looking forward to our continued success in 2018. The Management and Staff of United Security Assurance A Holiday Message As I look back on 2017, I am thankful for the many positive developments our company achieved. This year, we paid close attention to your requests and developed tools and plans to make it easier for you to do business with us. This was accomplished most successfully with a menu of on-line tools, such
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CVS Health’s proposed acquisition of Aetna
To our valued brokers, As you may have seen in the news, CVS Health, the largest pharmacy health care provider in the U.S., has agreed to acquire Aetna. This has no immediate effect on the products your clients have purchased or the products you are selling today. We are very excited about this combination. CVS Health and Aetna are joining to become the trusted front door to health care. Nearly 70 percent of the U.S. population lives within three miles of a CVS Health retail store and nearly five million Americans visit CVS Health every day. We will use CVS
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Guidance and deadlines for end of AEP enrollments
The 2018 Annual Election Period (AEP) ends Thursday, December 7. This means all Medicare AEP marketing efforts must cease on that date. Please make sure you follow the guidelines below when submitting your final AEP enrollments to us. Remember, we’re here to support you! Dec. 7 All AEP applications for a January 1, 2018, effective date must be completed, signed, dated and received by the agent no later than 11:59 p.m. December 7, 2017. You may not backdate the member signature date, agent receipt date, or agent signature date. Submit apps within 2 days We must receive signed enrollment applications
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