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Employer/Assoc. Options
Long-Term Care for
the Mid-sized and Large Businesses
Long-Term Care for the Small Business (Under 25
employees)
Association
Options
Long-Term Care for the Mid-sized and Large
Businesses
Mid-size and large companies have an understanding
of the value in offering competitive benefits. Many
companies are used to offering Group plans such as
health, disability, dental and life insurance.
Long-term care insurance has now become the fastest
rising employee benefit.
Many plan designs are available and can be tailored
specifically to meet the needs of your group. We
realize that many agents who specialize in employee
benefits recommend using a Group product because
that is what they are comfortable with and what
appears to be easy. Here at Wolf & Associates, Inc.,
we know that you have many options and will walk you
through your options. In some instances, it may be
in your best interest to use Individual plans and
not a Group plan. Other times, a Group plan is the
only way to go.
In both cases, plans are available from top rated
carriers in the industry. We work with you to review
what is right for your company and to obtain
guaranteed issue plans if available, employer
discounts, coverage for extended family members and
many other features.
Wolf & Associates, Inc. is unique in providing
access to the best insurance plans in the industry.
We take pride in the process we use to educate your
employees on the benefits of owning a long-term care
insurance policy. Yet, we realize that this
insurance is not for everyone. We can establish a
web-site specifically for your organization with
benefits, rates, sample applications and literature
that can be viewed via the Internet. That way,
employees can learn more about their program
anytime, anywhere. This relieves your HR department
from having to become onsite long-term care
experts.
A final advantage to offering long-term care is that
the premiums paid might be fully tax deductible as a
business expense, depending on your business type.
In addition, carve-outs can be created providing
coverage for a specific group of employees and
spouses without having to provide coverage for all
employees. Again, this allows you to tailor a plan
to meet the needs of your business!
If you are interested in having us prepare a
presentation for your business, please contact us at
509-744-7065 or
e-mail
us from this site!
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Long-Term Care for the Small Business
(Under 25 employees)
Your small business may be searching for a way to
stay competitive with other companies through the
use of benefit packages. If this is the case, you
need to consider Long Term Care insurance for your
employees. Tax incentives exist that allow full or
partial deductibility of tax qualified long-term
care premiums on behalf of an employee or spouse.
There are many efficient ways for your business to
secure policies. On a group basis, if there is 100%
employer participation (employer pays all),
Guaranteed Issue coverage may be available with 15
or more employees. Benefits and rates can also be
extended to spouses, parents, other family members,
and retirees of the organization on an underwritten
basis.
If there is only a selected number of individuals
within a small business, full medical underwriting
will apply. We interview the applicants to determine
what company would provide the best coverage given
the applicants age, medical history, and benefit
goals. Discounts may or may not apply depending upon
the number of participants and insurance policy
used.
The information shown within the Web site provides
additional information on policies available. If you
would like a quote contact us at 509-744-7065 or
e-mail from
this site for more information.
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Association Options
Long-term care
insurance has become the fastest growing insurance
benefit offered by associations and other affinity
groups. It has grown to this position in recent
years as these organizations look for attractive
benefits to solicit and retain membership.
Wolf & Associates, Inc. can assist your association
or affinity organization in securing discounted
policies from insurance companies that are market
leaders in this niche industry. As a result your
members can access both discounts that allow them to
purchase these policies at reduced premiums as well
as the expertise of a nationally recognized agency
specializing in long-term care insurance.
Wolf & Associates, Inc. has developed a turnkey
educational and enrollment process that has already
been successful in many professional organizations.
We also have the ability to custom design a web-site
for your organization that allows your members 24
hour access to information that can assist them in
their search for answers to their long-term care
insurance questions. This on-line access will also
help in helping them find the long-term care
insurance policy that they feel best meets their
personal and financial needs.
If you have more questions or would like to explore
the possibility of this benefit for your association
feel free to call or
email us .
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