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Guest Need-For-LTC Article
Latest Industry News & Changes
Previous Issues

 

 

August 19, 2019
 


 
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The "Industry Best" illustration software for Custom & Secure Solution was recently updated to:
Version 3.60.0.0
 
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Remember, EVERYONE attending any of the webinars on our calendar will earn AT LEAST
50 GoldenCare Reward Points!*

 
PLUS... one lucky attendee of each webinar will earn 500 Points!
 
What Are GoldenCare Rewards?
Limit 1 Reward Code Per Unique Training Event. Points Are Subject To Change.  Restrictions May Apply.  Visit http://www.goldencarerewards.com/ For Details.
 


 

Current GoldenCare Promotions:

 
Mutual of Omaha DREAM BIG Promotion
 


 
Avoid Delays & Returned LTCi Applications
 
Remember to use 6Q on the MutualCare Solutions Producer Statement to avoid commission problems. If you have made other arrangements to use another commission code, please use accordingly.
 
For questions, or to verify the code you're using is correct, please call 800-842-7799!
 


 
REMINDER: Partnership Certification and 4-Hour Refresher
 
For all LTCi agents who took their initial 8-Hour Partnership Certification prior to August 2017:
 
Producer requirements for training continuation states:
"A four-hour refresher course must be completed every 2 years from the date the initial training was completed."
 
Please be sure you have completed the necessary ongoing training before submitting new long-term care business.
 
Click Here for each state's training requirements.
 
If you have any questions, please call Licensing at 800-842-7799!
 


 

Guest Article:

 
"More Seniors with Dementia Living at Home: What You Need to Know," by Roz Plater, Healthline
 
"The researchers used data from the National Health and Aging Trends Study, which is a representative sample of people on Medicare. They studied 728 seniors who had received a diagnosis with moderately severe dementia in a five-year period, between 2012 and 2016. Within the group, 64 percent were cared for at home; 19 percent in residential care, such as assisted living; and 17 percent were in a nursing home. The researchers said seniors being cared for at home had more chronic illnesses and were more likely to have anxiety as well as be in fair to poor health."
 
LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
We’re seeing more and more evidence that home care is not the perfect panacea previously assumed.
 
Click Here to read the entire article.
 


 

Want More News?

 
Check out our website, www.goldencareagent.com and visit the News tab to keep up-to-date on the Industry's News and Changes.
 


 

Previous Issues:

 

 

Online Agent Training "Webinar" Presentations:

 

 

For The Week Of August 19, 2019
Click on the subject heading to learn more about the topic.
Click the date/time to register for the presentation.

 

 

 
Please check to see that you meet the minimum system requirements and that you have the
equipment needed to attend before downloading the latest version of GoToWebinar.
Click Here for more information.

 
Click Here for the Full Schedule of All Upcoming Webinars.
Or Click Here to Access a List Of All Our Agent Training Services!

 

 

Compliance:

 

 
Holiday Telephone Solicitation Ban for the Month of September 2019
 
Please be aware of the following holiday telephone solicitation ban for the month of September.

  • On Monday, September 2, 2019: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Labor Day

 

Industry Updates:

 

 

Upcoming Teleconference: Forms That Speed Up Your Process
 
Join us for the third installment of our bi-monthly teleconference series with our underwriters! This teleconference will cover the Forms That Speed Up Your Process: Thursday, August 22 at 10 a.m. Central Time.
 


What are LTC Post Issue Requirements?
 
When you deliver your client's LTC policy, your work is not done! In some situations Post-Issue Requirements (PIRs) are needed. Awareness of potential PIRs will help you maintain customer satisfaction as well as monitor your cases until final policy delivery.
 


October 1st Updates for 2017 CSO Table Changes
 
On October 1, 2019, United of Omaha will be modifying our GUL and GUL Express products due to the implementation of the 2017 Commissioners Standard Ordinary (CSO) Tables.
 


Mandatory Phone Health Interview Removed on TLE and GULE
 
Want another reason to sell TLE and GULE? We no longer require a mandatory phone health interview (PHI) on our Term Life Express and Guaranteed Universal Life Express products for face amounts between $250,001-$300,000.
 


It’s Almost Life Insurance Awareness Month
 
Any discussion about life insurance should include its role in retirement planning. Our Map Your Course materials can help. This suite of materials helps your agents talk with clients about the risks they may face during retirement and how our Income Advantage IUL can help.
 


Strong IUL Products from a Company with a Strong Reputation
 
With United of Omaha's IUL products, you can focus on selling a strong, honest product without having to sell the company. We’re a name your clients know and trust, with a reputation that sells itself.
 


Simple and Quick-Issue DI Coverage is Here
 
Priority Income Protection features a maximum monthly benefit up to $4,000, only knockout questions on the health section, no occupation classes, no rate-ups and an e-application that’s so easy to quote you’ll never want to fumble with a paper application again.
 


Get Your Clients Cash When They Need it the Most
 
Mutual of Omaha's Critical Illness, Cancer and Heart Attack/Stroke products all offer a onetime cash benefit when diagnosed with a covered condition. This benefit can be used to cover your client’s high deductible, or any out of pocket expense they may have.
 

 

 

Securian LTC/CI Planning Brochure
 
Long-term care (LTC) and chronic illness (CI) coverage is a conversation many advisors reserve for older clients, but talking about LTC/CI earlier could be a game-changing opportunity for you both.
 
Use this brochure to understand how our LTC/CI portfolio can help clients adapt to meet their evolving needs, and take one step closer to helping create customized solutions for every stage of your clients’ lives
 


Securian Will Help You Prepare for LIAM
 
September will be here before you know it, and we want to make sure you’re equipped with the tools you need to help make this year’s Life Insurance Awareness Month (LIAM) a success.
 

 

 

GTL's Advantage Plus vs The Competition
 
GTL has paid over $100.8 Million in Hospital Indemnity and Cancer Claims since January 1, 2017!*
 
GTL's Advantage Plus® Hospital Indemnity Insurance has a potent one/two punch! Couple GTL's fast, transparent claim processing with a 15 year track record of developing innovative hospital indemnity benefits, and it's clear that Advantage Plus continues to be the champion of the senior hospital indemnity industry!
 

 

 

Kemper Reports Strong Second Quarter 2019 Operating Results
 
CHICAGO--(BUSINESS WIRE)-- Kemper Corporation (NYSE: KMPR) reported net income of $122.1 million, or $1.84 per diluted share, for the second quarter of 2019, compared to $37.6 million, or $0.73 per diluted share, for the second quarter of 2018. In the second quarter of 2019, net income included a $20.1 million after-tax gain, or $0.30 per diluted share, attributable to the change in fair value of equity and convertible securities. As adjusted for the acquisition of Infinity Property and Casualty Corporation (“as adjusted”)1, net income was $126.3 million, or $1.90 per diluted share, for the second quarter of 2019, compared to $65.4 million, or $1.00 per diluted share, for the second quarter of 2018.
 

 

 

Additional Endorsement added to Massachusetts EssentialLTC Policies
 
Effective immediately, an Alternate Plan of Care Endorsement will now be included in all EssentialLTC policies issued in the state of Massachusetts.
 
Additionally, for policyholders who already have an active Massachusetts EssentialLTC policy, a letter including this endorsement will be sent letting the policyholder(s) know their existing EssentialLTC policy now includes this provision and to keep the enclosed copy of the endorsement with their policy.
 

 

 

United Security Assurance - ADLs vs IADLs
 
Understanding the difference between ADLs and IADLs is imperative. Losing independence is a struggle for us, as human beings. After living independently for a long time, the elderly may feel less dignified, and anxious as they lose this ability. By assisting one step at a time, and getting the appropriate assistance when needed, the transition can be made a lot easier.
 

 

Medicare News - Mutual of Omaha and Affiliates:

 

 
Med Supp In-force Only Rate Adjustment
Please view the upcoming In-force Only Rate Adjustment in West Virginia.
 
Med Supp Modernized September Rate Release
Please view the upcoming rate release in DE, ME, NC, and VA.
 
MACRA is here Webinar Questions and Answers
During each broadcast, you can ask questions through the Q&A board. Here are the questions we received during the August 6th webinar, MACRA is Here.
 
The Mutual of Omaha CareAdvantage Difference
Mutual of Omaha CareAdvantage plans offer value based, coordinated care that puts your clients at the center. Personal and attentive service is our highest priority.
 

 

 

 

 
   

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