Blasts & News

There are many changes taking place in the Long Term Care and Disability Insurance industries these days. The information comes from many different sources, and it can be quite confusing at times to put all the pieces together and make sense of it all. At NJLTC we send out several email newsletters , "Blasts" as we call them, a month. We keep our clients, brokers, and producers informed of all the relevant news, topics, and product updates that take place in our industry. Feel free to browse our archive of Blasts and News articles.

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Hidden Cost of Being a Caregiver Jul 3, 2019

It is important when having the Long Term Care Conversation with our clients that we remind them… Having a family member be your full time caregiver IS NOT free.

On top of how incredibly taxing and time consuming the job is, there is a huge hidden cost to a family member who devotes themselves to being a full time caregiver - the opportunity cost of lost wages, lost retirement saving, lesser social security benefits and lack of medical benefits just to name a few…

Take a look at this short article from Kiplinger, and consider about some clients you might be able to talk to about this issue. READ MORE

Start of Summer May 31, 2019

Back to work after a beautiful Memorial Day holiday weekend. A wonderful tribute to all who have volunteered to defend this great country. Thanks to all who have been in the armed services, we are all filled with generous gratitude.

A note that NJLTC will go to summer hours between Memorial Day and Labor Day. This means we will be closing at 3pm on Fridays through the first weekend of September.

This blast concentrates on the latest information, developments, and changes in the LTC industry. As usual, please also find a number of articles for use in your sales efforts.

Coming in July: Updated Asset Care - All current quoted cases must be signed by June 28, 2019 and in the office by July 12, 2019. Read more here.

UNUM announces GLTC rate increase to their entire "group" LTC block

Nationwide introduces "CareMatters II"
CareMatters II is a flexible, competitively-priced linked-benefit universal life policy that offers clients:

  • Flexibility through cash indemnity LTC benefits that help clients obtain care where and from whom they prefer
  • Choice of a variety of payment options, including pay to Attained Age 100, make the policy accessible to more clients than ever before
  • Protection from inflation via one of several options, including a 3% compound option and a new US Medical Care inflation option based on changes in the cost of health care
Nationwide CareMatters II is designed to help bring the protection of a linked-benefit policy to a wider range of clients across a variety of ages and financial situations

New Lincoln Money Guard marketing pieces READ MORE

Memorial Day May 23, 2019

Just a quick note for everyone.
Our office will be closing at noon on Friday, May 24 for the Memorial Day weekend. We will be returning to work on Tuesday, May 28 for normal operating hours. Take this weekend and enjoy the time with your friends and family. We wish everyone safe travels, and good times. READ MORE

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