Disclaimer: Minimum participation rates vary from company
to company and are subject to change at any time.  Check with
your America's Long Term Care Insurance Expert to see what is
available in your state.
LTCi Central
America's Long Term Care Insurance
Experts
There are two types of long term care offerings
in the employer setting, true group and multi-
life.  A true group plan is one in which employer
is the policy owner and each employee receives
a certificate of insurance.  Multi-life is when a list
bill is utilized and individually owned contracts
of insurance are issued.

Each company's approach to underwriting needs
to be evaluated on a customized basis making
the need for expert advise and support very
important.  Minimum participation
requirements vary from company to company
and when they are met, eligible employees (and
sometimes spouses) qualify for "streamlined"
underwriting.  There are three types of
"streamlined" underwriting available in the
employer setting:

  1. Simplified Issue - The company asks minimal
    health questions but may pursue further
    underwriting for cause.
  2. Modified Guarantee Issue - Underwriting
    takes place strictly on the application.  If the
    eligible applicant answers no to all questions
    he/she will be issued with no further
    underwriting.
  3. Guarantee Issue - No health questions are
    asked.

The lowest minimum participation requirement
for "streamlined" underwriting is 3 employees.  
All of the America’s Long Term Care Insurance
Expert’s carriers offer employer sponsored
discounts for groups that meet the minimum
participation requirements.  The discounts vary
5-10% off the standard rate structure.  

When using our hands-on approach, we provide
a customized presentation for your business
client and we will even help you present the
need in person or via gotomeeting.com.  We also
provide the tools for the "do-it-yourself" agents.
Steps to follow for successful
employer sponsored LTCi
endorsement:

  1. Provide employer
    sponsored LTCi
    presentation to the owner
  2. Ask which implementation
    avenue they wish to
    consider (employer
    sponsored core benefit,
    executive carve-out,
    voluntary payroll
    deduction)
  3. Contact Ron Hagelman with
    your client's answer and he
    will help you determine
    which company will best
    suite your client's needs.
LTCi Central is your one-stop
resource for all your Long Term Care
insurance products needs.
Multi-Life Brochures
You must either contact ALTCIE or the individual carrier to obtain materials specific to the state for which you are
soliciting business.  The materials offered through the following links may be specific to a particular state.  Please do
not offer these to your clients unless the correct state is specified in the link.
(Prudential has changed the required
number of employee lives from 7 to 10
for Simplified Underwriting, however,
the brochures have not been updated to
reflect this change.)