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Claims – The OA Experience
During the month of December, I have been focusing on claims which includes our December Coffee Break webcast . If you haven’t viewed it, please take a few minutes to check it out. In the webcast, Niki Johnson talks about the claims process and a few tips that can help when submitting a claim to… Continue reading
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Submitting a Claim
This month, I have been focusing on claims which includes our December Coffee Break webcast . If you haven’t viewed it, please take a few minutes to check it out. In the webcast, Niki Johnson talks about the claims process and a few tips that can help when submitting a claim to OneAmerica. Today, I… Continue reading
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Claims – Consider This
Last week,I shared a few claims statistics for both LTC as a whole and OneAmerica Care Solution. As you would expect, most claims occur over the age of 75 with more the 50% of them starting between the ages of 80 and 89. In our December Coffee Break webcast focusing on claims, we share more… Continue reading
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Claims – Stats & Info
In this month’s Coffee Break, we are talking about claims. It is what we sell – the promise to be there when our policyholders need us the most. For 35 years, OneAmerica has fulfilled that obligation – virtually every other linked benefit / asset-base long term care product has less than a decade of experience.… Continue reading
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LTC – Assumptions & Consequences
Over the past few weeks, there has been an incredible amount of commentary focused on the use of averages with respect to retirement income planning. If you haven’t been paying attention to what “financial guru” Dave Ramsey thinks about the 4% withdrawal rate, you might want to take a look. One thing for certain,… Continue reading
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Cost of Care – a real life case
Over the last few weeks, I shared information about costs and durations of care. I also shared a little bit of an editorial opinion about the dangers of planning for the average. Today, I want to share with you a true story that hist close to home. To set the groundwork, we will be talking… Continue reading
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Looking at the Cost of Care
Last week, I shared with you the OneAmerica interactive cost-of-care map. Today, I want to apply some of the data from there and share a what-if scenario. Before we jump into this, I want to share a few pieces of data with you. The intent here is to help you get your arms around average… Continue reading
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Dial Up the Cost of Care
Before we get into this week’s Fridays with Fisher, I want to remind you that a NEW Care Solutions Coffee Break is out. This month’s topic is having “the conversation” and a few ideas that might be helpful. I’m not sharing something new with you, but I am reminding you that you have a boatload… Continue reading
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Long Term Care Awareness
November is LTC Awareness Month. Frankly, I think that when we dedicate days or months to specific causes we don’t really improve the awareness. It may actually be a buzz-kill since there are so many cause focused months. Instead, as financial professionals, we should be including long term care awareness into every client conversation that… Continue reading
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SECURE Act – Inherited IRA
This past week, we offered up another Care Solutions University. One part of the discussion was the Asset Care opportunity that the SECURE Act presents for clients inheriting IRAs. As you will recall, the SECURE Act put in place a requirement to withdraw the full balance within 10 years from inherited non-spousal IRAs. And, ONLY… Continue reading
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Icebreaker Ideas
On the October edition of Coffee Break, Elaine shared a quick hit idea for working with a great referral source – CPAs. If you have not taken a minute, please check it out. Elaine also noted that one simple statement can open the door, eyes, and ears. And, it is simply this … “Are you… Continue reading
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Something to Consider – Averages are Dangerous
Last week, I shared with you the extended care experience of my immediate family. If you recall, the actual duration for care for both of my grandfathers surpassed the industry average by almost 5 years. And, the average duration of care for my grandmothers and aunts (excluding memory care) was about 9 years. I am… Continue reading
Fridays with Fisher 
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