How to Keep Your Clients Out of a Nursing Home

The Situation: Your clients think
long-term care means going to a nursing home. 

Many people equate long-term care with nursing home care. And for most people, that’s someplace they simply refuse to go. Since they have no intention of ending up in a nursing home, they don’t think they need an LTCi policy.

Sales Idea: Show your clients how LTCi
actually can help keep people out of a nursing home.

Today’s LTCi policies are designed to help people get the care they need in the comfort of their own homes. Here’s how:

Cash Benefit

 – MutualCare Solutions policies include a built-in cash benefit with no elimination period. This gives people the flexibility to receive benefits in cash each month as opposed to waiting to be reimbursed for actual expenses they incur. Having cash up front can be helpful for someone who would like to pay travel expenses for a visiting family member who is providing care or to pay for services not otherwise covered by the policy. More >>

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Connecting People to What Matters Most...Their Family

The Importance of Family

People who buy an LTCi policy, generally do so because they love their family. In a survey of LTCi policyholders, over half of those we talked to said they bought their policy because they’d been a caregiver for someone with a chronic illness or disability. That experience left them determined not to let the same thing happen to their family. These people told us loud and clear they didn’t want their kids to have to take care of them.

What it Means to be a Caregiver

Research reveals most caregivers are family members. According to the American Association for Long-Term Care Insurance (AALTCI), the typical caregiver is a 48-year-old woman who provides more than 20 hours of care each week. Add that to an already full schedule that includes working and raising a family and you can see how taking on the responsibility of caring for an aging parent is not an easy task.

What’s the Cost?

Many people think there’s no cost associated with kids caring for a parent. But the costs are real. There’s a financial cost when a child has to quit a job, reduce work hours or pass up a promotion in order to be able to help a parent. There’s a physical cost that comes from being stretched too thin as caregivers neglect their own health and often become ill themselves. And there’s an emotional cost when hard feelings arise between family members if caregiving duties are not equally divided.

The LTCi Advantage

An LTCi policy can provide a real advantage for families struggling to care for a loved one. Policy benefits can be used to hire caregiving services that supplement the care provided by family members. And that’s a good way to help people stay connected to what matters most…their family.

Long Term Care - 360:
Visit our LTC-360 site to see all the options available today for funding Long Term Care Expenses. 

 

 800.842.8289

 

How about a 5% Commission Bonus on your next Case?

The iGO e-App is a fillable online form which walks you through the Life Insurance application of the company you choose. You can complete the whole application online and submit it electronically.

iGO (in good order) won't allow electronic submission until every box shows the green check mark, assuring that your application is complete in every detail and will not be delayed by missing information. Many of the participating carriers will accept an e-Signature as well.

Tomorrow's technology available today keeping you...

"In Good Order"

 

    Here are some Training Videos to get you started:

• Create an iGO Login >>
• Accessing the iGO e-App >>
• The iGO e-App Dashboard >>
• In Good Order >>
• How to Lock a Case >> 

    Questions about any of the iGO e-App procedures?

Call Peter, Adam or Dan at:

800.842.8289