Annuity Care… Your Clients Aren’t Average 24 Jan 2020December 18, 2019 Some carriers like to claim that your clients don’t need LTC protection beyond the average length of a care need. But preparing for only the average length of a care…
Annuity Care… It’s About The Claim 17 Jan 2020December 17, 2019 Our purpose is to provide the funding resources for our policyholders when their health is compromised and they require long term care services. Last year, I shared some claims information…
Alzheimer's Association… OneAmerica & Alzheimer’s Assoc. 10 Jan 2020December 17, 2019 Why do you stress lifetime benefits? Here's why ... Today, one in three seniors dies with Alzheimer’s disease or another dementia1. Research brings us answers every day that move us closer…
Asset Care… Asset Care & Executive Bonus 13 Dec 2019December 12, 2019 A Controlled Executive Bonus Plan — also known as a Restrictive Bonus or Section 162 plan — is an agreement that typically allows employers to use tax deductible money as…
Care Solutions… IRS LTC Numbers for 2020 22 Nov 2019November 11, 2019 Every year around this time, we start sharing numbers for the following year's planning. Here are the inflation adjusted LTC numbers for 2020 that you might find useful. With the…
Annuity Care… Self-Funding isn’t Self-Insurance 25 Oct 2019October 14, 2019 Last week, I shared my opinion about self-insurance. In reality, self-insurance is pure risk retention. Said another way, it is self-funding without any “stop-loss” provisions. At a minimum, reviewing the…
Care Solutions… Self-Insure = Risk Retention 18 Oct 2019October 14, 2019 According to The Motley Fool in an article from February 24, 2018, the average retirement lasts for 18 years and begins at age 63. While the article is focused on…
Annuity Care… A Little Pool Anyone? 20 Sep 2019August 22, 2019 Here we go again – the discussion of addressing the extended healthcare (aka long term care) funding issue. For many, self-funding ends up being the answer. By default or by…
Asset Care… Qualified Money for LTC 30 Aug 2019August 22, 2019 Earlier this week, an advisor (we will call him Andy) called me with an interesting question. It went something like this: “I have a client – a single man who…
2017 CSO Launch… It’s Long Term Care for a Reason 9 Aug 2019July 29, 2019 The fastest way to impoverishment or to destroying a retirement income strategy or to impact multiple generations physically, emotionally, and financially is not an extended healthcare event. It is not adequately…
2017 CSO Launch… History of Innovation 2 Aug 2019August 2, 2019 Asset-based LTC, aka hybrid or linked linked benefit, have existed since 1988. OneAmerica stakes a claim to being the premier innovator of this space. There is only one other carrier…
Annuity Care… Income and LTC 12 Jul 2019June 26, 2019 Forbes published an article on April 16, 2019 that shared “Comparing The 3 Most Popular Retirement Income Strategies”. According to the article, there are three common approaches: Systematic Withdrawal Strategy…
