“Long-Term Care Out of Reach for 6.5 Million ‘Near Dual’ American Seniors”
“Long-Term Care Out of Reach for 6.5 Million ‘Near Dual’ American Seniors,” by Dennis Thompson, HealthDay “About 6.5 million ‘Near Dual’ seniors are struggling to afford long-term care as they grow older and more frail, a new study warns. ‘Near Dual’ seniors are those who are eligible for Medicare but are only at the cusp of eligibility for Medicaid, the federal/state insurance program for the poor, researchers said. … Near Dual seniors have $11,000 to $28,000 in annual income, and less than $26,000 in total assets, the report says. … The research team offered four policy solutions that could help
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Clippings and Industry News.
Off-Label Medication Use in LTC Underwriting
Medication approved by the US FDA (Federal Drug Administration) to treat a specific medical condition but prescribed by your doctor to treat a different condition, is off-label use. This practice is legal and common, and it does impact underwriting. While there are many drugs that are prescribed off-label, several are encountered frequently in LTC Underwriting. Check out the condition-related marketing flyer, Off-Label Medication Use in LTC Underwriting to learn some of the most common medications and their impact on underwriting. View the flyer here Off-Label Medication Use in LTC Underwriting #goldencareagent #mutualofomaha
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Medicare Solutions – Omaha Family of Companies
Medicare Supplement: Upcoming Rate Adjustments View upcoming rate adjustments for various states. Why Your Clients Should Be Using Customer Access Help your clients access and manage their Mutual of Omaha account through our secure Customer Access portal. 2024 November Rate Release Review upcoming rate releases for Alaska and Oklahoma. Shining the Spotlight on Mutually Well With Mutual of Omaha’s Mutually Well program, your clients will get the extras they are looking for in addition to their Mutual of Omaha Medicare supplement policy. Boost Your Earnings With Enhanced Broker Bonus Learn how to earn an even bigger
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Introducing GTL Chat | Now Available on the Agent Portal
Introducing GTL Chat: A 24/7 chat feature on the Agent Portal! Receive prompt answers and support whenever you need it. We’re always here to assist you! Log in to GTL’s Agent Portal GTL Chat will be available on every page, ready to assist you from login to submission. Simply click the blue chat icon at the bottom right corner of your screen for immediate assistance. Frequently Asked Questions Get instant answers of up to 25 commonly asked questions, including Agent FAQs, Client/Policy FAQs, Product/Quote FAQs, and Resource FAQs. Connect with GTL Sales Support If you need further assistance,
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Introducing One-Time PIN Client Signatures
NOW AVAILABLE A new easy way to capture your client’s signature on the Agent Portal! View Updated Signature Guide When you reach the Client e-Signature screen on the Agent Portal, you will now have the option to select One-Time PIN. Capture your client’s signature in two easy steps. Step 1 Enter your client’s cell phone number and select “Send Code”. Inform the applicant they will receive a text message with a verification code. The code is valid for 15 minutes. Step 2 Ask the applicant for the verification code to capture their e-Signature. Select “Confirm” to verify
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Share the consequences of a LTC event, not just the risks
Extended Care by the Numbers It’s not just the risks – it’s the consequences. People insure against risks from natural disasters, home fires and car accidents. Yet they often overlook the consequences of not planning for one of the largest risks that can impact families —long-term care. This new consumer-approved piece doesn’t focus on the odds of needing care, as much as it showcases the consequences of a care event. These stats back up statements about the physical, emotional and financial impact on caregivers, and the reasons why someone should plan today (rising care costs, expected caregiver shortages and data
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Disaster Relief Notification – Hurricane Helene
Mutual of Omaha is committed to supporting our customers impacted by Hurricane Helene. We are currently identifying affected policies and will be adding a note to them shortly. For impacted policies, we are extending the grace period by an additional 30 days. We understand the challenges your clients may be facing after the hurricane. We will be exercising leniency and may allow exceptions to certain contract requirements for customers who are displaced from their homes. If you have any questions or need assistance, please contact Sales Support at (800) 693-6083 or sales.support@mutualofomaha.com. We are here to help. Disaster Relief
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Accident Insurance, Critical Illness, Dental, Industry News, Life Insurance, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).
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Using Inflation Protection to Reach a Desired Premium
It can be challenging to fit a long-term care insurance premium payment into an already tight budget. With a variety of inflation protection options available on a MutualCare® Custom Solution policy, you can tailor a plan of coverage to meet the needs and budget requirements of nearly any client. Read the concept flyer to learn more. Using Inflation Protection to Reach a Desired Premium #goldencareagent #mutualofomaha #longtermcare
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How Are GI Disorders Handled in LTC Underwriting?
Understanding how gastrointestinal (GI) disorders are managed in long-term care underwriting is crucial for agents and clients alike. The specific GI disorder, its treatment, and the stability of the condition will determine whether coverage can be offered and the associated rating. Some GI disorders pose an increased risk for future malignancy or involve treatment methods that may impact overall health and the ability to perform daily activities, while others do not. Our underwriting process carefully evaluates each case to provide the best possible coverage options for our clients. Check out our condition-related marketing flyer, Gastrointestinal Issues in LTC Underwriting to
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