“Dementia patients may die sooner if family caregivers are mentally stressed”

“Dementia patients may die sooner if family caregivers are mentally stressed,” by Yasmin Anwar, Berkeley News “From 2007 until 2016, UC Berkeley researchers tracked the mortality of 176 patients with neurodegenerative diseases that are corrosive to brain function. They also measured the mental health of the family members who took care of them. Their findings, published in the Proceedings of the National Academy of Sciences journal, indicate that patients tended by caregivers with depression, anxiety and other symptoms of mental illness typically died sooner than those being looked after by caregivers in good mental health. For example, compared to patients who
Read More

Categories: Industry News and Long-Term Care.

Sentinel Plan Life Products

Frequently Asked Client Questions One of the most frequently asked questions from our clients is whether or not they can have more than one life insurance policy. Click on the link below for a helpful blog that you can share with your clients. Sentinel Security Life Blog Check back frequently for more tips and other useful information!   #goldencareagent #sentinel
Read More

Categories: Industry News, Life Insurance, and Sentinel Security Life.

Sentinel Underwriting Tip

Methotrexate Methotrexate is an immunosuppressant medication. It may be prescribed to treat cancers, forms of arthritis, and psoriasis. Methotrexate use is of underwriting concern. Below are some conditions that when treated with this medication, or combination of this medication, are a decline for Medicare Supplement coverage. Osteoarthritis treated with any dosage of Methotrexate Rheumatoid arthritis treated with any dosage of Methotrexate and Prednisone Rheumatoid arthritis treated with more than 25 mg/week of Methotrexate #goldencareagent #sentinel
Read More

Categories: Industry News, Medicare Supp./Adv., and Sentinel Security Life.

“New Study: Immigrants are the Future of Long-Term Care”

“New Study: Immigrants are the Future of Long-Term Care,” by Robert Espinosa, HuffPost “Immigrants are a key part of the U.S. economy and the future of long-term care, says a new study on immigrants in the direct care workforce from PHI, the nation’s leading expert on direct care. According to the study released this week, more than 1 million immigrants work in direct care, a rapidly-growing sector that includes about 4.4 million home care workers and nursing assistants employed in nursing homes. Immigrants in this workforce come from 151 countries representing many regions of the world, though more than half
Read More

Categories: Industry News and Long-Term Care.

A.M. Best Revises GTL’s Issuer Credit Rating Outlook

A.M. Best Revises Issuer Credit Rating Outlook to Positive for Guarantee Trust Life Insurance Company June 09, 2017 “OLDWICK, N.J. –(BUSINESS WIRE)— A.M. Best has revised the outlook to positive from stable for the Long-Term Issuer Credit Rating (Long-Term ICR) and affirmed the Financial Strength Rating (FSR) of B++ (Good) and the Long-Term ICR of “bbb” of Guarantee Trust Life Insurance Company (GTL) (Glenview, IL). The Credit Rating (rating) outlook for the FSR remains stable. The revised Long-Term ICR outlook reflects GTL’s strong risk-adjusted capitalization levels, its position as a niche player in the senior market and trend of favorable
Read More

Categories: Accident Insurance, Critical Illness, Guarantee Trust Life, Hospital Indemnity Plan, Industry News, Medicare Supp./Adv., and Short-Term Care.

Transamerica: Early Closure and Holiday Notice July 3-4

The Transamerica Long Term Care administrative office in Plano, TX will close at 2 p.m. Monday, July 3, and be closed Tuesday, July 4 to mirror hours of the New York Stock Exchange. Please allow additional time if necessary to order and receive materials during that time. Much of the important materials and resources you may need will be continue to be available on our Agent Resource Center. Transamerica: Early Closure and Holiday Notice July 3-4 #goldencareagent #transamerica
Read More

Categories: Industry News and Transamerica.

Independence Day Office Closing

Mutual of Omaha and its affiliates (United of Omaha, Companion Life Insurance Company, United World) will be closed on Monday, July 3rd and Tuesday, July 4th for Independence Day. Below are the cut-off dates and times and the adjusted pay schedules. Holiday Pay Calculation Schedule Med Supp E-App & All Life Cutoff 3:00 PM Health Cutoff (excluding LTC) 3:00 PM Long Term Care Cutoff 3:00 PM Direct Deposit (EFT) Available Independence Day, Monday 7/3/2017 & Tuesday 7/4/2017 Friday 6/30/2017 Friday 6/30/2017 Wednesday 6/28/2017 Thursday 6/29/2017 Monday 7/3/2017 Weekly and holiday pay schedules are also available on the Sales Professional Access
Read More

Categories: Accident Insurance, Critical Illness, Disability Income Insurance, Industry News, Life Insurance, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).

U.S. Holiday Telephone Solicitation Bans During July 2017

Please be aware of the following holidays requiring a U.S. holiday telephone solicitation ban for the month of July. On Tuesday, July 4, 2017: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Independence Day On Monday, July 24, 2017: Utah prohibits unsolicited marketing calls to residents in observance of Pioneer Day U.S. Holiday Telephone Solicitation Bans During July 2017 #goldencareagent #mutualofomaha
Read More

Categories: Industry News and Mutual of Omaha (& Affiliates).

Coming Soon: New Term Life Answers e-Application

Coming in July we will have a new Term Life Answers electronic application (e-App). To avoid delays in policy issue, please submit your e-Apps (all signatures completed) by July 7, 2017. Paper Application The Fully Underwritten paper application was updated on June 1, 2017. Refer to the Fully Underwritten Application communication for more information. State Approvals State Application All states except California and New York The new TLA e-App is approved. California The new full application and TLA e-App is pending approval; e-Apps must be submitted (including all signatures) by July 7, 2017. In July when the new e-App rolls
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Medicare Supplement News – Omaha Family of Companies

New Application Release in PA and TX Effective June 24, 2017, you may begin using our new Medicare supplement application in Pennsylvania, underwritten by Mutual of Omaha and in Texas, underwritten by United World. Modernized Rate Adjustment Modernized Rate Adjustments in TN, TX, and WA are effective August 1, 2017. Modernized Rate Release Please view details for the Modernized Rate Release in AZ, CT, IA, MI, ND, SC, WV, LA, MO, RI, NJ, and MN.   #goldencareagent #mutualofomaha
Read More

Categories: Industry News, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).