The best way to understand how long-term care insurance can benefit your clients is through stories from our policyholders. Have you read our claims story flyer on how having a policy made a real difference for Marilyn and her daughter, Melinda? At age 80, Marilyn was living alone in the home she’d shared with her late husband. Chronic knee pain made it hard for her to get around, so family and friends pitched in to help with cooking, cleaning and driving errands. As Marilyn’s knee pain worsened, Melinda urged her mother to see a doctor. An X-ray revealed a meniscus
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Physical therapy (PT) is the treatment of physical disability, loss of functionality or pain without the use of medication, surgery or radiation. Treatment typically consists of hands-on manual manipulation, exercise and education. While there are several different types of physical therapy, LTCi underwriting focuses on the following categories: Neurologic: This type of therapy assists in the recovery from neurological conditions/events such as stroke, brain injuries and cognitive impairments, allowing for recovery from gait, ambulation and balance issues. Occupational: Occupational therapy treatments with work-related injuries. Common issues include carpal tunnel, back injuries, overexertion and falls. In addition to treating the immediate
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1 out of 3 women and 1 out of 2 men can expect to develop cancer at some point in their life. Among the most common types of cancer in the United States are breast cancer and prostate cancer. A cancer diagnosis is common. As medical advancements continue, testing and therapies are becoming more effective in battling these diseases. With that, our underwriting criteria continue to evolve, oftentimes leading to offering more opportunities to extend coverage.   Learn more in our LTC Condition-Related Marketing Flyer: Breast and Prostate Cancer.   If you have any questions, please contact Mutual of Omaha’s
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Thomas’s Story The Need for Home Health and Hospice Care Thomas lived a quiet life alone when he was diagnosed with lung cancer. Things seemed to be getting better however after a recent visit from his daughter she noticed something was wrong. After a doctor’s visit the cancer had unfortunately spread with a life expectancy of six months. Read Thomas’ story and learn how the Mutual of Omaha claims process allowed his long-term care benefits to pay for the care he needed during his final months.   If you have any questions, please contact Mutual of Omaha’s Sales Support at
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Have you ever sat down with a client and heard, “What if I pay all those premiums but don’t use the benefits?” How do you overcome this question when talking with your clients? The return of premium rider is the perfect option. This flyer discusses the need for coverage and lays out a few return of premium options available to your client. Be sure to bring it up during your next conversation as a practical solution to whether your client should purchase a long-term care insurance policy! ICC – Flyer Non-ICC Flyer   If you have any questions, please contact
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Many people think that Medicare and Medicaid are synonymous with long-term care insurance. However, relying on either of these government-run programs will most likely leave your clients and prospects without the level of care they need or expect. Help your clients make informed decisions about their future health plans by knowing the advantages of a private LTCi policy over Medicare and Medicaid. Check out this sales idea flyer to learn more.   If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com.   Understanding the Benefits of LTCi vs Medicare and Medicaid
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Our vendor, Illumifin, has notified the Mutual of Omaha team that they are currently experiencing delays in scheduling of Phone Health Interviews (PHI). Currently, they are experiencing significant application volumes, and the recent holidays — Memorial Day, Juneteenth, and the upcoming 4th of July — have further impacted interviewer availability. Illumifin is taking steps to address the delays and anticipate returning to normal operations by mid-July. However, at present, we are seeing interviews backed up by approximately three weeks. We appreciate your patience and understanding during this time. Please feel free to reach out if you have any questions or
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The definition of what it means to be “middle market” is a moving target. It depends on where you live and which numbers are used at the top and the bottom of the scale. Generally speaking, middle market buyers fall into the $50k to $150k annual income per household category. They may not live paycheck to paycheck; however, may be reluctant to pay large annual premiums or lump sum payments. These middle market buyers need long-term care solutions that are affordable and manageable. Traditional LTCi is customizable to fit the needs of each individual based on their needs and financial
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Clients today have several needs when looking for a Long-Term Care Insurance policy. Having a carrier with the flexibility to offer a variety of optional benefits is important. Did you know an inflation protection rider increases policy benefits over time? An advantage of adding inflation protection to a long-term care policy is it allows the benefits to grow each year so by the time your client needs care they will have more money available to help cover expenses.   Take a deeper dive into how an inflation protection rider can benefit your clients.   If you have any questions, please
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Medication approved by the US FDA (Federal Drug Administration) to treat a specific medical condition but prescribed by your doctor to treat a different condition, is off-label use. This practice is legal and common, and it does impact underwriting. While there are many drugs that are prescribed off-label, several are encountered frequently in LTC Underwriting. Check out the condition-related marketing flyer, Off-Label Medication Use in LTC Underwriting to learn some of the most common medications and their impact on underwriting.   View the flyer here.   If you have any questions, please contact Mutual of Omaha’s Sales Support at (800)
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