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Employers can ease employees' potential financial and emotional burdens by offering affordable, understandable, broad-based long-term care benefits. One of the most ignored health issues of our time is how to [...]

Long-term care (LTC) shall be the most popular employee benefits in 1995 and beyond. It is the care needed by retired people who need assistance in caring for themselves or in managing their daily activities. LTC costs are substantial health expenses for both the government and the older people. Employers sponsoring self-funded LTC benefit programs paid by employees eases the burden on the government and protect the workers.

Today's cutting-edge long-term care insurance products must be able to meet the current needs of consumers and allow changes to meet future needs. In short, flexibility and fluidity are the [...]

To recruit top-notch talent, retain employees, and differentiate themselves in today's low-unemployment marketplace, employers are expanding the total compensation package to include more innovative worksite benefit designs. Consider: Larger corporations [...]

By now we're all feeling the results of the senior population growth crisis. Indeed, the impact would be impossible to ignore, considering the onslaught of products beckoning to buyers in [...]

Long-term care insurance product development is booming, but the real message of LTC has been lost in the explosion. The LTC insurance companies are rushing 'me too' benefits to market, [...]

Today's innovative and most successful long-term care insurance policies focus on life. That is, they emphasize asset protection, maintaining the insured's autonomy, independence and dignity while reducing the burden on [...]

Insurance products designed for seniors must offer diversity, liquidity and flexibility. Seniors are concerned with maintaining financial independence and providing assets for their spouses, For example, many seniors are finding that some services are not covered by Medicare and supplemental health insurance and they want products that will meet their needs. Seniors also want insurance products to provide asset protection., The aging of America has caused rapid development of products aimed at seniors facing earlier retirement and shrinking support from government resources. Doubts about the future of both Medicare and [...]

Many insurance companies do not market long term care (LTC) products effectively by failing to shift their marketing focus to managing caring. Some companies do not distinguish between LTC and acute care which are fundamentally different types of insurance. Personnel trained to administer acute care may attempt to make LTC care fit their system by focusing on a cure for individuals rather than managing caring., Most insurance companies selling long-term care insurance are at a loss when it comes to effectively managing this product. So, they attempt to compensate with measures that really do not [...]

SAMUEL X. KAPLAN IS FOUNDER AND CHAIRMAN OF U.S. CARE, A SANTA MONICA, CALIF. FIRM THAT DESIGNS, DEVELOPS AND IMPLEMENTS LONG-TERM CARE PRODUCTS. E-MAIL HIM AT SKAPLAN@USCARE.COM. What cutting edge [...]

SAMUEL X. KAPLAN IS FOUNDER AND CHAIRMAN OF U.S. CARE, A SANTA MONICA, CALIF. FIRM THAT DESIGNS, DEVELOPS AND IMPLEMENTS LTC PRODUCTS. HIS E-MAIL: SKAPLAN@USCARE.COM. Everyone in the long-term care [...]

SAMUEL S. KAPLAN IS FOUNDER AND CHAIRMAN OF U.S. CARE, A SANTA MONICA, CALIF. FIRM WHICH HE FORMED TO DESIGN, DEVELOP AND IMPLEMENT LONG-TERM CARE PRODUCTS. E-MAIL HIM AT SKAPLAN@USCARE.COM. [...]