An agent is professionally trained on the products they represent. They are required to have 24 continuing education credits to make sure they continue to be current on insurance topics. Agents are client advocates and can work with insurance companies to resolve issues quickly – much more quickly than the client can do that working directly with the insurance company. The services of an agent are free to a client.

CLTC is a professional degree in the field of long-term care, Certified in Long-Term Care. The program is independent of the insurance industry and focuses on providing financial service professionals the tools needed to meet their client’s long-term care needs.

The field of long-term care insurance is complex. It intersects with other professions such as financial planning, tax law, home care, government funding and elder law. The ability to serve the community depends on understanding what resources, such as housing and services, clients will need as they age and how they will be paid for and this is what the CLTC designation is all about.

Our normal response time to return calls from clients is two hours and no more than 24 hours.

Independent brokers represent a number of different insurance carriers, which means our goal is to provide a solution which is not tied to only one company. This means better choices for our clients.

There is a 70% chance that you will need long term care services.

The national average cost of care is over $67,000 per year.

Your most important asset is your ability to earn income. Purchasing income protection or disability coverage enables you to protect this important asset for you and your family. This coverage is activated when you are injured or become seriously ill.

More than 63% of wage earners believe their chances of becoming disabled for 3 months or more is about 2%. The fact is that the chances of being disabled are about 30%. In the US, a disabling injury occurs every second and a fatal injury occurs every 4 minutes. If you don't know how you would pay your bills if you experienced a serious injury or illness, it is time to consider disability coverage.

Employers should be preparing for two things:

1) Determining large employer status
2) Keeping track of hours of service according to the regulations

Determining large employer status is critical for compliance to this law. Entities that previously would not be considered large employers may now be affected. For example, you must take into consideration the ownership status. If there are partnerships or related business entities under common ownership, all employees under the common ownership will be included in the calculation for large employer status. Previously, each business would have been considered a separate company. This change will have the biggest impact on franchises/restaurants under common ownership that previously did not offer health insurance benefits.

Keeping track of hours of service is complex bookkeeping because it must be maintained at the employee level. These records are vital for the employer to avoid penalties for not offering affordable coverage.

If an employer has not yet started this process, NOW is the time.

Call today to discuss your situation at 614-889-0934 or email us a request for an appointment.
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