Scenario: You’re sitting with clients, having established the need for long-term care insurance. They’re interested in coverage and inquiring about cost, so you begin building a plan in the MutualCare® Solutions software. Your clients appear healthy, although a little heavy. And they mention they’re taking a medication. How can you quickly determine whether build or medication(s) will be an issue? Don’t worry about searching for your Underwriting Guide booklet, or even pausing to make a phone call. You can use the Underwriting Guide within the software to answer these kinds of questions! In the upper-right corner, click the “Guide” button.
Read More
“4 Signs You Need to Seek Long-Term Care for Your Aging Parent”
“4 Signs You Need to Seek Long-Term Care for Your Aging Parent,” by Anna Medaris Miller, US News & World Report Quote: “1. They can’t get organized. . . . 2. They’re letting hygiene slip. . . . 3. They’re declining physically. . . . 4. You don’t have the bandwidth.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): These are the four signs. Click through to the article for details. 4 Signs You Need to Seek Long-Term Care for Your Aging Parent #care #parent
Read More
“Medicare Spends Far More On Older Adults Who Need Personal Assistance”
“Medicare Spends Far More On Older Adults Who Need Personal Assistance,” by Howard Gleckman, Forbes “This study is important because it highlights the consequences of the flawed way we care for older adults: Medicare does not pay for personal assistance yet those who need it are likely to be very high users of medical care, which Medicare does pay for. The study results imply that we could reduce Medicare’s medical costs if we provide cost-effective personal care for older adults.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): This study implies no such thing. Of course
Read More
“3 New Findings About Long-Term Care Planning Prospects’ Emotions”
“3 New Findings About Long-Term Care Planning Prospects’ Emotions,” by Allison Bell, ThinkAdvisor “Here’s a look at three of the survey team’s findings. Many people have a hard time admitting that they would have negative feelings if they suddenly had to provide care for a loved one. . . . Members of Generation X expressed the strongest emotions about caregiving. Many baby boomers, or people born in 1946 or earlier, may already be retired, and may already be providing care. Many millennials, or adults born between 1980 and 1999, may have no young children to take care of, and only
Read More
Good News | Tools & Resources to Help you Start the LTC Conversation
Long-Term Care Awareness Month Begins TODAY! November is LTC Awareness Month – the perfect time to have that important planning conversation with your clients. Several educational resources have been made available: Click below to check out the tools and resources available: “Start the Conversation” Flyer Mutual of Omaha is providing helpful tips you can use to prepare yourself to start the LTC conversation. 2017 Cost of Care Consider sharing with your clients both the current and projected costs of long term care where they live — or plan to retire. Customer Stories These Long Term Care video testimonials are
Read More
News from United Security Assurance: Updated Website!
Our website has a new look! Same web address … new design. Thank you for your patience during our remodeling process. We hope you’ll like the improvements we’ve made to our website, www.usaofpa.com. Our newly designed site incorporates a more intuitive structure for a cleaner, simpler layout allowing you to quickly locate information with fewer clicks. Registered agents can: Download tha latest version of our quoting software View, download, or print product material Sign-up for lead program Access e-Apps and other relevant information To gain access to our product materials and quoting software, licensed USA agents will need to register
Read More
Introducing the LTC Prescreen Flyer
Many factors go into evaluating long-term care insurance applications and whether people are eligible for coverage. We’ve created a prescreen flyer you can discuss with your clients before determining whether to proceed with completing an application. The LTCi prescreen flyer includes a partial list of the kinds of conditions and situations that we consider when reviewing applications and underwriting coverage. The list of pre-submission underwriting considerations and disqualifying conditions can help determine the impact your client’s insurability. The LTC Prescreen flyer is available to order on all usual ordering systems. To review the flyer, please click here or click the
Read More
“Millennials Beat Baby Boomers in Long-Term Care Planning”
“Millennials Beat Baby Boomers in Long-Term Care Planning,” by Tim Regan, Senior Housing News “Slightly over half (52%) of surveyed baby boomers thought they will require long-term care services down the road. Millennials [born between 1981 and 1997], on the other hand, were more realistic: 64% of this cohort, born between the 1980s and late ‘90s or early 2000s, said they’ll need long-term care at some point as they age. In reality, 70% of people need long-term care services at some point in their lives, according to the survey.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Maybe the
Read More
“SNF Placement More Likely for Men Lacking Caregivers After Stroke”
“SNF Placement More Likely for Men Lacking Caregivers After Stroke,” by Tim Regan, Skilled Nursing News “After suffering a stroke, men without a caregiver were more likely to end up in a skilled nursing facility (SNF) than those with more help, according to a new study published in the Oct. 26 edition of the Journal of the American Geriatrics Society. Within five years of a stroke, 21.3% of the study’s 560 participants were placed in a nursing home. Men lacking a family or informal caregiver had a 3.2 times greater risk of nursing home placement in that span as compared to men who had a
Read More
LTCi Training Materials
With Long-Term Care Awareness month nearly here, we have what you need to refresh your LTCi knowledge. On Sales Professional Access, on the sales tool tab under LTC, there are several Brainsharks you can view at your convenience. Completing the Application — detailed instructions on completing an LTC paper application Using the LTC e-App — how to complete an LTC electronic application Overcoming Objections — how to turn objections into sales When a Client Goes on Claim — how to help your clients submit a claim Initial Premium Collection Option — how to set your clients up with auto withdrawal
Read More
