As part of our continued effort to provide additional coverage options to our policyholders who are facing a premium increase, we are introducing a new coverage option for eligible Privileged Choice and Classic Select policyholders to consider. Beginning on July 1, 2019, the 1% Benefit Increase Option will be available in state where it’s allowed. The 1% Benefit Increase Option will be available for Privileged Choice and Classic Select policyholders who currently have a benefit increase option as part of their policy. If this option is selected, policyholders will retain their increased Daily Benefit Amount (DBA). The increased DBA and
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LTC “Underwriting Operation” – Camila’s Story
Another case study as part of our ongoing Underwriting Operation. CASE STUDY: Camila Camila, a 63-year-old woman in Arizona, applied for MutualCare® Custom Solution. She was quoted Select; however, after underwriting review, a Class I rate was offered. During the application process, Camila hadn’t told her agent about a stroke she had 3 years ago which caused a change in rate class. The stroke was discovered when the underwriter reviewed her medical records. The underwriter emailed the agent regarding the rate class change and encouraged the agent to call and discuss options with the client. The agent discussed the rate
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EssentialLTC Offering Policy Lifetime Renewals
Now Available: Policy Lifetime Commissions We appreciate the opinions of our valued field sales partners. To continue to build upon a mutually successful relationship, National Guardian Life Insurance Company (NGL) is thrilled to provide a comprehensive commission structure that offers: A new option with renewal commission for the life of the policy First-year commission on the premium for the Base Policy and all riders Renewal commission on the premium for the Base Policy and Inflation Protection Riders Direct deposit View the Policy Lifetime Commissions Flyer If you have questions, please call NGL at (888) 505-2332 or email status@ngl-essentialLTC.com.
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GoldenCare Fourth of July Holiday Hours
Have a safe and happy holiday, from our GoldenCare family to yours. Questions? Call the GoldenCare Marketing Team at 800-842-7799! Don’t forget to subscribe to our News Digest for all the latest announcements from the Top Carriers! Check out GoldenCare News
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Fourth of July Office Closing 2019
Mutual of Omaha and its affiliates (United of Omaha and United World) will be closed on Thursday, July 4th and Friday, July 5th 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 3:00 PM Long Term Care Cutoff 3:00 PM Direct Deposit (EFT) Available Independence Day, Thursday 7/4/2019 and Friday, 7/5/2019 Monday 7/1/2019 Monday 7/1/2019 Friday 6/28/2019 Friday 6/28/2019 Friday 7/5/2019 Weekly and holiday pay schedules are also available on the Sales Professional Access (SPA) website. If you have
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June 20th Underwriting Teleconference Recording Now Available
We appreciate your attendance and enjoyed answering all your questions at the second LTC underwriting teleconference. During the call you heard from Aaron Smallwood, Supervisor Underwriting Support for LTC, Demerri Bond, LTC Underwriting Manager, and Allen Gregoire, our Director of Underwriting for all individual health. Didn’t make it? That’s OK! We recorded it for you. Dial this number to listen to the teleconference anytime: (855) 859-2056 | Conference ID: 5172044 Make sure to add the remaining bi-monthly teleconferences to your calendar. Please email us suggestions on topics or questions you’d like answered before the next call at distribution.marketing@mutualofomaha.com.
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Help Your Clients Understand Their Planning Options
Over the years, your clients have likely spent time planning for their future. They’ve saved, they’ve taken care of themselves and they’re ready to enjoy the result of all that planning – a comfortable retirement. Have your clients considered what would happen to their plans should they become chronically ill? Costs of care, treatments and medication are expensive. If your client has a life insurance need, they can plan ahead for this retirement risk using a Long-Term Care Rider or a Chronic Illness Rider on their life insurance policy. The following two brochures are client-approved and can be used to
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Good News | Enhancements On Our Medicare Quoting/Comparison Tool
New and Improved Drug & Underwriting Filter We’re excited to announce that additional enhancements have been made on our CSG Actuarial quoting & comparison tool for Medicare Supplement and Medicare Advantage/PDP! FIELD UNDERWRITING IN AN INSTANT The new Drug and Underwriting Filter on our CSG Actuarial tool assists you with field underwriting and populates only carriers able to underwrite the condition/medication. Existing User? Click Here to Access CSG Actuarial (Login required) First-Time Users: How Do I Gain Access? Read Full Good News Announcement Questions? Call the GoldenCare Marketing Team at 800-842-7799! Don’t forget to subscribe to our News
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“When the Long-Term Care Insurer Refuses to Pay”
“When the Long-Term Care Insurer Refuses to Pay,” by Dan Bosko, Next Avenue “I put in a claim with mom’s long-term-care insurer (a major player in the business), expecting approval reimbursing us in short order for the caretaker’s work. Much to my shock, the claim was rejected. Here was the sticking point and the insurer’s grounds for denial: According to the policy, the caretaker I’d hired did ‘not provide services to (my mother) as an employee of an entity that has an agreement as a provider of home health care services or hospice services under the Medicare program or that is licensed
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Clippings, Industry News, and Long-Term Care.
“Deal Combines Long-Term Care Insurance Distributors”
“Deal Combines Long-Term Care Insurance Distributors,” by Allison Bell, ThinkAdvisor “LTC Global Inc. says it has joined with Joseph Pulitano to form a new long-term care insurance distribution operation, LTC Agency Operations LLC. LTC Agency Operations will absorb ACSIA Partners and LTC Global Agency from LTC Global Inc., and Pulitano’s Advanced Resources Marketing business, LTC Global Inc. says.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): As we reported yesterday.
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Clippings, Industry News, and Long-Term Care.
