Omaha’s LTC Underwriting Teleconferences Begin This Week Mutual of Omaha’s LTC “Operation Underwriting” teleconferences will provide information to help simplify the sales process and give you the confidence to sell with ease. This Thursday Mutual of Omaha will introduce their underwriting leaders, discuss the fresh, new Underwriting Guide, and then finish with an interactive Q & A session. “Underwriting Operation Kick-Off” Teleconference #1 Topic: Underwriting Operation Kickoff When: Thursday, April 18th at 10 a.m. Central Conference Number: 1-866-220-3018 Conference ID: 1080585 Click here for teleconference details Read Full Good News Article Questions? Call the GoldenCare Marketing Team at 800-842-7799!
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“Midwest is best, when it comes to the 30 best cities for older Americans in retirement,” by Grant Suneson and Samuel Stebbins”
“Midwest is best, when it comes to the 30 best cities for older Americans in retirement,” by Grant Suneson and Samuel Stebbins, USA Today “Nearly all of the 30 best cities for older Americans are in the Midwest. Wisconsin has the most cities on this list with eight, followed by Minnesota with five, Iowa with four, and Illinois, North Dakota, and Missouri with two apiece.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): If the best states for retirement are in the frozen north, why is everyone moving to the sunny south?
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Clippings, Industry News, and Long-Term Care.
“Bill Gates says there could be a way to predict Alzheimer’s using a voice app that listens for ‘warning signs’”
“Bill Gates says there could be a way to predict Alzheimer’s using a voice app that listens for ‘warning signs’,” by Aria Bendix, Business Insider “Scientists have yet to find a cure for Alzheimer’s, a disease whose symptoms include memory loss, impaired judgment, and difficulty speaking. About 14 million Americans are expected to be living with Alzheimer’s by 2050. Doctors rely mostly on physical symptoms to diagnose the disease, though they can also use spinal taps and brain scans to detect it. But Bill Gates envisions a future in which people can predict Alzheimer’s before symptoms manifest using a voice app on their
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Clippings, Industry News, and Long-Term Care.
“’Generation Alpha’ Babies Arrive With Caregiving Obligations”
“’Generation Alpha’ Babies Arrive With Caregiving Obligations,” by Allison Bell, ThinkAdvisor “About 47% of Millennial caregivers who have children, or plan to have children, say they expect those children to help pay for their long-term care, according to survey results released recently by Northwestern Mutual. … Only about 16% of the Baby Boomer caregivers surveyed, and 35% of the Generation X caregivers surveyed, are counting on their children to help pay for long-term care, according to Northwestern Mutual.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): What would “The Who” have to say about Gen A?
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Clippings, Industry News, and Long-Term Care.
“Agenda For Seniors”
“Agenda For Seniors,” by John Goodman, Forbes Senior citizens are discriminated against by a number of unwise public policies. People on Social Security lose benefits if they earn even a modest amount of wage income. Medicare is paying doctors the way it did in the last century – long before the existence of email or iPhones. Seniors are the only people in our society who can’t have a Health Savings Account – from which to pay bills not covered by health insurance. Double taxation of senior savings is unfair. Forced withdrawal of senior citizen savings makes no economic sense. And
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Clippings, Industry News, and Long-Term Care.
Medicare News – Omaha Family of Companies
Medicare Supplement: Upcoming Med Supp Rate Adjustments Please view the upcoming rate adjustments in MI, MS, NC, ND, NE, OH, TX and WY. 2019 Medicare Supplement Conference Discount During April, there is a First Time Attendee Discount code to receive $200 off your registration. New Medicare Supplement Plan in Georgia! You may begin selling our new competitively priced Medicare supplement plans in Georgia underwritten by Mutual of Omaha. Medicare Advantage and Prescription Drug Plans: PDP Commission Announcement The first commission payment for our Prescription Drug Plan product, will be made April 26, 2019. #goldencareagent #mutualofomaha
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Critical Advantage Rate Decrease for Existing Policyholders – OR, RI, VA, WV
Another group of states have approved the Critical Advantage rate decrease of 20% for current policyholders. Effective June 1, 2019, the following states have been approved: Oregon, Rhode Island, Virginia and West Virginia. Your current customers in these states will not have to do anything to get the new rates. Their premiums will be at the new 20% rate cut automatically starting on 06/01/2019. Here is what your clients can expect with the lower rates. Age Current Monthly Rate New Monthly Rates Monthly Savings Yearly Savings 35 $22.81 $18.25 $4.56 $54.72 45 $38.09 $30.48 $7.61 $91.32 55 $59.69 $47.75 $11.94
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Critical Advantage Underwriting Guide Updates
To ensure you always have the most accurate information available from us, the Critical Advantage underwriting guide has been updated with the following: Reminder: Dependent children 18 years of age and older will need to sign and date the MIB/HIPAA form for plans including children Expanded information on the ease of using the e-App to submit business Included more information on downloading and using the mobile quote app Under appealing an underwriting decision section, the following has been added: Three years of medical records are required if a health question is answered yes on the application and the client now
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DI Choice Success Tips-Common Medical Conditions
When your client has a medical condition, it does not necessarily mean they won’t be considered for Disability Income Insurance. Here are some common medical conditions that can still be covered. Alcohol and Drug Addiction — client may be considered five years post treatment, if there is no alcohol or drug use of any kind and has no arrests, additional treatment or related health conditions. Sleep Apnea — clients will be considered two years post diagnosis with well-controlled condition if they are following prescribed treatment or treatment is no longer needed. Weight Issue — ratings are based on our build
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New LTC Marketing Materials Update
With a product this flexible and popular, we didn’t need to make any changes to it. So we didn’t. But we are excited to let you know that our materials have been updated to better reflect the Mutual of Omaha brand, are easier to understand and are more consumer-friendly. The materials below are newly redesigned and available to order in the following states: Partnership Brochure AK, AL, AZ, CO, DE, FL, GA, IA, ID, IL, KS, KY, LA, MA MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD,
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