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Authorized independent agent and licensed in GA 595707 and 153782, AL A221211, AR 394983, AZ 1028006, CA 0104295, FL P009487, IA 7081467, MO 8055643, MS 405036, NC 7081467, NJ 15260 12, NY LB-1177472, SC 380702, TN 930031, TX 1569264 and VA 614046.


Disclosure:  Coverages and availability vary by state.  Not all businesses and individuals qualify.  This does not constitute legal, tax or accounting advice or opinion.  Consult with an experienced and properly licensed professional regarding the specific suitability of any planning technique or benefit plan design.   


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Long-Term Care Insurance

It is never too early to plan for Long-Term Care

Long-term care is usually not medical care and generally does not require a doctor or a nurse.The need for LTC is not always age related.  Although more than half of all individuals age 65 & over will need LTC at some point, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64.


Because Long-Term Care services generally are not covered, or covered only minimally, by health insurance, Medicare or Medicaid, it is never too early to plan for long-term care.  


Other important reasons to consider Long-Term Care Insurance


-Studies show that US employers lose $11.4 to $29 billion per year due to lost productivity of employees caring for older relatives. Over 20% of employees are providing eldercare, and their employers lose $1,142 to $3,142 annually on each "caregiving" employee for replacement costs, unscheduled absences and other workday interruptions.


-Workers caring for disabled elders with Long Term Care insurance are nearly twice as likely to be able to stay employed than are those caring for noninsured elderly or disabled individuals.


-Most states now recover from the estates of deceased Medicaid recipients for the cost of Medicaid paid nursing home and other benefits.


For less than a typical monthly cable bill, a 55 year old couple can have the security of a $3,000 monthly Cash Benefit  no restrictions or claims  to submit for payment.

ABA Long-Term Care Offers:

-Superior coverage from carriers that have never raised rates on inforce business.


-Monthly cash payments, regardless of location and regardless of actual expenses.


-Payment options, such as Paid-in-Full in 10 years, 50% reduction in premium at age 65 or 70, and return of premium.


-Benefit options, such as an extra $1,500 per month to cover drugs, housekeeping and any other expenses.


-Up to 30% discount for married couples, plus up to 7% discount for Employer-endorsed plans.


-May be fully deductible business expense and provided as a tax free Executive perk.

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