GoldenCare Newsletter | January 24, 2022

Read Full GoldenCare Newsletter, January 24, 2022 Edition In this GoldenCare Newsletter Edition From GoldenCare:   GTL’s Critical Cash Thurs, Jan 27, 2022 10:00 AM  to  10:30 AM CST Diversify your portfolio for greater sales success! Join us for product and sales live and prerecorded training.  Stay up-to-date on the latest products and sales strategies.   We’re making it easier than ever to get a hold of us and have your favorite tools available at your fingertips! Click here to DOWNLOAD our electronic business card, and enter to win a $100 Amazon.com Gift Card!   Our Guest Articles in this
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Categories: GoldenCare News, Guarantee Trust Life, Industry News, Long-Term Care, Medicare Supp./Adv., Mutual of Omaha (& Affiliates), and National Guardian Life.

“The Difference Between Elder Law and Estate Planning”

  “The Difference Between Elder Law and Estate Planning,” ElderLawAnswers   Quote: “Elder law planning is concerned with ensuring that seniors live long, healthy, and financially secure lives. It usually involves anticipating future medical needs, including long-term care. Elder law attorneys can help you develop a plan to pay for future care while preserving some of your assets. They can also assist you with qualifying for Medicaid or other benefits to pay for long-term care.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: There you have it. Elder law equals Medicaid planning.            
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Categories: Clippings and Industry News.

“Why Medicare Doesn’t Pay for Rapid At-Home Covid Tests”

  “Why Medicare Doesn’t Pay for Rapid At-Home Covid Tests,” by Michelle Andrews, Kaiser Health News   Quote: “What group is especially vulnerable to the ravages of covid-19 even if fully vaccinated and boosted? Seniors. And who will have an especially tough time getting free at-home covid tests under the Biden administration’s plan? Yes, seniors. This story also ran on NPR. It can be republished for free. As of Jan. 15, private insurers will cover the cost of eight at-home rapid covid tests each month for their members — for as long as the public health emergency lasts. Finding the tests will be hard
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Categories: Clippings and Industry News.

“80 is the mean age for long-term care insurance claims, study finds”

  “80 is the mean age for long-term care insurance claims, study finds,” by Kathleen Steele Galvin, McKnight’s Senior Living    Quote: “An analysis of 5,439 long-term care insurance policy holders found that 80 is the mean age at which a claim is filed, according to a report published Friday by the American Association for Long-Term Care Insurance. … The mean amount paid per claimant to date was $142,043, but the largest claim was $1.9 million, [AALTCI president Jesse Slome] said.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: The front cusp of the baby boom turns 80
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Categories: Clippings and Industry News.

“Hospital discharge pressures build as nursing homes clamor for help”

  “Hospital discharge pressures build as nursing homes clamor for help,” by Danielle Brown, McKnight’s LTC News    Quote: “Increased COVID-19 case counts at nursing homes nationwide have prevented hospitals from discharging patients into skilled nursing facilities due to a lack of beds. The inability of nursing homes to take patients ready to leave hospitals amid the current COVID-19 wave is underscoring skilled nursing’s “essential” role in the care continuum, experts said Monday.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: Dominant government funding of hospitals and nursing homes through Medicare and Medicaid denies the long-term care
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Categories: Clippings and Industry News.

Attention Agents Selling Short-Term HHC | New Application

As of January 26, GTL’s Short-Term Home Health Care Insurance application will be updated.   Our new Short-Term Home Health Care application will be changing on January 26, 2022. At that time, please ensure you are using the new application when writing new business. Old applications will be accepted until February 4, 2022. These changes to the application include: Updated Underwriting questions (revised ADL question and added question regarding Alzheimer’s disease, dementia and memory loss) Updated Acknowledgement/Authorization language This update will be automatic on the Agent Portal. For our e-App, we will notify you when the update becomes available.  
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Categories: Guarantee Trust Life, Industry News, and Short-Term Care.

Ready for next level digital illustration experiences?

The tools you need to close the sale-all in one spot What if every illustration included an interactive web-based client presentation? At Securian Financial, we’ve created an innovative digital illustration presentation page on both Eclipse Accumulator Indexed Universal Life (IUL) and Variable Universal Life (VUL) Defender illustrations. You’ll find this tool makes it simple to present, answer client questions, provide resources and submit cases by providing: an interactive graph based on illustrated values sections for easy product presentation added resources to help your client understand the product and track their policy status once they apply easy-to-access link to submit your
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Categories: Industry News, Life Insurance, and Securian.

Update: Delay in Mailing SureBridge Policy Print & ID Cards

Update: Delay in Mailing SureBridge Policy Print & ID Cards Our print vendor is still experiencing system issues causing on-going delays in the mailing of SureBridge Policy Prints and ID cards. This includes duplicate requests for customers who did not select electronic delivery for their policy materials. As a reminder, your customers can log in to the customer portal, ChesapeakePlus.com to view their documents electronically.. However, please do not have your customer call Customer Service or go on the customer portal to request a duplicate policy or ID card, or do so on their behalf. These materials will be worked
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Categories: Dental, Industry News, and SureBridge.

Delay in Mailing SureBridge Policy Print & ID Cards

Delay in Mailing SureBridge Policy Print & ID Cards Our print vendor has made us aware of a system issue causing a delay in mailing of SureBridge Policy Prints and ID cards. Those affected by this delay are SureBridge customers with new business policies issued on Dec. 22, 2021 and after, who did not choose eDelivery for their plan materials. Additionally, requests for duplicate policy and ID card prints made on Dec. 22, 2021 or after are also affected. However, your customers can log in to the customer portal, ChesapeakePlus.com to view their documents electronically.. The print vendor has advised
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Categories: Dental, Industry News, and SureBridge.

Reminder, Upcoming Enhanced EssentialLTC Releases

New Enhanced EssentialLTC Releases As a reminder, the enhanced version of EssentialLTC will be available in the states of DE, HI, ND, NJ and SD beginning February 4, 2022. California will also have a new business rate refresh on the same day. Get your applications in now to use the current EssentialLTC pricing, rates and features. Enhanced EssentialLTC for DE, HI, ND, NJ and SD Features For joint policies, when one insured passes away the premium will now decrease to an amount specified on the illustration and Policy Schedule for each person. The Waiver of Premium Rider for Home and
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Categories: Industry News, Long-Term Care, and National Guardian Life.