Long-term care is the kind of care you need when you are no longer able to care for yourself independently; when you need help to eat, bathe, dress, move freely or cannot be left alone. You may need this care because of an accident, a chronic medical condition or simply because you're getting older.

While most prefer not to think about it, the need for long-term care can happen at any time and at any age. Statistics show that about 60% of Americans will need long-term care at some point in their lives.¹

Facing Your Employees' Concerns

A recent survey² of attitudes about Long-Term Care report:

86% of those surveyed think that providing Long-Term Care is a big problem.

82% think it is irresponsible not to plan for one's own Long-Term Care needs.

76% say the cost of Long-Term Care would significantly reduce their retirement income and assets.

67% believe the cost of Long-Term Care is the single greatest risk to their standard of living during retirement.

But only...12% have made financial preparations for their Long-term Care needs!

It is likely to give you a competitive advantage in today's tight labor market.

Offer Long-Term care through an employer sponsored ERISA plan, or provided as a non-ERISA arrangement.

You, as an employer, may be able to deduct the cost of establishing a Long-Term Care Insurance plan for employees as well as your contributions toward the premiums.

Long-Term Care Insurance Multi-Life Discount Program extends eligibility to spouses, parents, step-parents, grandparents and inlaws, which help employees plan for their own needs as well as the needs of their families.

Long-Term Care offers your employees an effective way to manage long-term care costs. This allows them to focus on their own careers, which can have a very positive affect on your company's bottom line!