Prospective Clients


Employers/Workplace LTCi

The Value of LTCi

Long term care insurance assists families cover the cost of care received at home, in the community,
or in a nursing home. But there are additional benefits for employers and employees.


For Employers:

Long term care insurance programs
can assist in providing:

  • Retention of valued employees
  • Attractive incentive when hiring new employees
  • Reduction in productivity losses
  • Alternative to increasing salaries
  • Competitive edge
  • Ease of implementation

For Employees:

Long term care insurance programs
can assist in providing:

  • Individual plans of care
  • Training for caregivers
  • Care providers
  • Wellness programs
  • Claim filing assistance
  • Less expensive group rates


Eligible participants in a group long term care plan receive group rates based on age and chosen options: and certain insurance companies offer premium discounts for couples. For programs paid by the employer, the contribution is typically limited only to the employee. If employment ends the coverage is fully portable.

Coverage can be made available to:

  • Full-time employees
  • Part-time employees
  • Spouses
  • Mothers & fathers
  • Grandparents
  • Ease of implementation
  • Sons & daughters
  • Brothers & sisters
  • Domestic Partners
  • In-laws
  • Retirees


No matter what the structure of your company, there are significant tax advantages to purchasing long term care insurance through an employer setting.* Here are some examples:

Self Employed, S Corporation, Partnership, LLC

Greater than 2 percent of these firms’ owners may deduct 100 percent of the annual premium for themselves and a spouse, subject to certain limits based on their age. However, for employees there are no premium deduction limits and the full premium may be deducted as reasonable compensation with no income attributed to the employee.

C Corporations

When a C corporation purchases long term care insurance for employees and spouses of the C Corp., the entire amount is deductible by the corporation and is not taxed as income to the insured. Benefits Received Tax Free. Benefits from tax-qualified long term care insurance plans are received tax-free by the policyholder.

HSA Ready

Funds in Health Savings Accounts can be used to purchase long term care insurance, subject to
certain limits based on their age.

*Not Subject to nondiscrimination rules. Long Term Care Insurance can be purchased
for a select group of employees.

For more information on long term care insurance, or to schedule an appointment please fill out a form here.
Interested in receiving a quote for long term care insurance? Please fill out a quote form.