What Long Term Insurance (LTC) Options Are Available for Your Employees?

AGIS Network can provide your employees with comprehensive LTC education and enrollment services.

What is Long Term Care insurance?

LTC insurance is cash benefit insurance to help employees plan for long term care decisions before they need them. There are two types of insurance that cover caregiving services:

  1. Permanent Life Insurance + LTC Benefits
  2. Traditional Long Term Care Insurance
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Permanent Life Insurance + LTC

Life insurance + Long Term Care benefits can help protect employees, and their loved ones, by providing Life Insurance coverage and Long Term Care benefits that allow them the flexibility in how and where they receive care.

The Basics of Life + LTC:

  • Tax-free death benefit
  • One policy, two benefits
  • Use for home care or facility care
  • Covers employee for their entire life
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Long Term Care Insurance

Most long term care is non-medical in nature. LTC insurance is designed to cover the cost of extended professional caregiving services, such as assistance with daily activities, like taking a bath or caring for someone with a severe cognitive impairment.

The Basics of LTC:

  • Daily or monthly benefit
  • Inflation protection
  • Cash benefit
  • Spouse/partner discounts
  • Premiums can be pre-tax with an HSA
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proprietary enrollment system

annual enrollments

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