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.
LTC Partnership, Lincoln UW, Standard benefit Aug 7, 2019
Partnership Reciprocity
A total of 45 states, including Connecticut, have now implemented Partnership for Long-Term Care programs. All of the Partnership states, except for California, are members of the National Reciprocity Compact. View the Reciprocity Map here
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Sweltering Summer Aug 5, 2019
Summer is in full swing and it is HOT!
Speaking of hot, the disability guaranteed issue market continues to be on fire for us. Right now here are some of the occupations getting the best GSI offers:
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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.
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