Pre-Qualify Your Client!
Fill out our "Pre-Qualification Questionnaire" to prequalify your client

Freqently Asked Questions
What is Long Term Care?
What is Medicare?
What is Medicaid?
How do I know what benefits to offer?
What's the difference between Tax-Qualified & Non-Tax-Qualified LTC Policies

Tax Rules & Information
2011 Qualified Long Term Care Tax Guide
LTC Tax Guide
LTC State Tax Chart
LTC tax training presentation
2011 Long Term Care Partnership Benefit Minimums (December 2010)
2011 Eligible Long Term Care Premium Deductions (December 2010)
NEW 2012 Eligible Long Term Care Premium Deductions (October 31, 2011)
NEW 2012 Long Term Care Partnership Benefit Minimums (December 27, 2011)

• (January 30, 2012)
  Strategies for LTC success in the worksite market (article)
  John Hancock's 12 FOR 12 — Helping you build your LTC insurance business
  Introducing the first installment of our 12 FOR 12 program — a year-long campaign focused on providing you with value-added ideas to help you develop your LTC insurance business. The January edition highlights the importance of building a sound road map for success for the year. Have you developed your 2012 LTC insurance business plan? Click here for the January newsletter. For more information, visit http://www.jhltc.com.
  Revised "Before You Buy" from the CT Partnership - The 2012 edition of "Before You Buy" is a required consumer guide.
  Don't forget the family - Here are five conversation starters that can help you make a family-focused sale.
• (January 23, 2012)
  Making the Case for LTCI with Statistics (article)
  TransCare - Enhanced with Shared Care - now available in CA
  TransCare II now available in SD
  Rate adjustment on inflation riders – effective February 1st
  Ways to dial down premium to make LTCi more affordable for your clients - Situation: Your client understands the need for LTCi, but feels the premium is too costly. He/she wants the policy, but can't afford the premium. Learn more about what you can do to help your client.
• (January 17, 2012)
  John Hancock Commission Statement Update - An issue has been identified with year-end LTC Commission statements dated 12/27/11. Specifically, the year to date earnings reported on page 1 of the 12/27/11 statement were incorrect. John Hancock is in the process of sending out corrected year-end commission statements for your records. Please note: the check you received from the commission cycle completed on 12/27/11 was accurate. In addition, this error will not impact your 2011 1099. John Hancock apologizes for any inconvenience this may cause.
  Results of the LTC Knowledge Study
  NEW 2012 LTC tax advantages flyers - Use these flyers to show your clients how owning a LTCi policy may provide significant tax savings.
• (January 10, 2012)
  12 Questions for 1 Successful LTC Agent (article)
  Florie Leddel has learned from personal experience that the best time to buy long-term care insurance is immediately.
  Hot (or Not) – The Year in LTC (article)
  Interest in traditional products has grown steadily, but some think other products are easier to sell.
  Emotional Needs Must Always Come First (article)
  A "just the facts approach" may work for police officers on Dragnet, but probably not for winning over new LTCI prospects.
  Making the case for LTCI with statistics (article)
  United of Omaha: Process change for submitting LTC simplified issue application on a multi-life product - When writing a simplified issue application on an 'actively at work spouse,' you will now be required to provide a copy of the spouse's most recent W-2 forms along with the application in order to qualify for simplified issue underwriting.
• (January 3, 2012)
  LTCi Watch: The Babies! (article)
  Selling to the ones in the cradle probably wouldn't work, but maybe selling to the ones who rock the cradles could.
  LTCi Watch: Panic Shopping! (article)
  Remind conscientious prospects that they're conscientious. If they plan ahead for a $25 Christmas gift, why wouldn't they plan ahead for the possibility of needing $250,000 in LTC?
  Become an underwriting detective - Six things you can do to help uncover important information the underwriter needs to issue your Long Term Care case.
• (December 27, 2011)
  Partnership minimum requirements for 2012 in CA, CT, IN & NY
  LTC Business Solutions mandated benefit offers - effective December 31st - All Long Term Care Business Solutions plans will include the mandated offer of optional 5% Compound Benefit Increases and the Nonforfeiture Benefit at time of purchase at the Group Policy Level and/or Certificate level. To learn more about Business Solutions go to genworth.com/ltcmultilife where you will find information about the product and programs, training, illustration tool and materials.
  12 Questions for 1 Successful LTC agent
  How Ready Are You For Long Term Care (article)
  LTC training teleconferences, presentations and sales concepts (microsite)
  LTC products approved for Partnership in WA – effective January 1st
• (December 19, 2011)
  Privileged Choice Flex Long Term Care
  This product includes two features that provide policyholders and their families with access to helpful tools, resources and support "NOW" without having to go on claim or reduce long term care benefits.
  Live+Well
  - Wellness program powered by Mayo Clinic
  - For policyholders and their uninsured spouse/partner
  - Access to online wellness resources, Mayo Clinic Health Coaching and Ask Mayo Clinic 24-hour nurse line
  Caregiver Support Services
  - Caregiver Support Services* provided by CareScout
  - Help for immediate family members with a long term care need
  - Access to professional care advice, online resources and a personalized service plan.
• (December 12, 2011)
  A Product for the People (article)
  REVISED “What You Should Know about LTC” for IN Partnership
  Making the Case - Industry Outlook - Consumer awareness of LTC is rising.
  What Works - Ideas for LTC success from two standout advisors.
  3-Minute Interview - Why LTC awareness is rising and how new products are helping to fulfill the demand.
  First Person - In praise of LTC…from someone who knew.
  Long Term Care Learning Center (microsite)
  Partnership for ME & NC - Some eligible policyholders who originally purchased certain LTC policies in Maine or North Carolina will be mailed a full exchange offer letter alerting them their policy is not partnership qualified, but they are eligible to exchange for a new partnership qualified policy. Agents with impacted policyholders will receive a copy of the letter as well.
  NEW 2012 Tax Advantage flyers - Show your clients how owning a Long Term Care policy may provide significant tax savings.
  Tax Advantages for Individuals (Mutual of Omaha)
  Tax Advantages for Businesses (Mutual of Omaha)
  Tax Advantages for Individuals (United of Omaha)
  Tax Advantages for Businesses (United of Omaha)
• (December 6, 2011)
  Built-In Monthly Benefit - Most carriers offer a daily benefit that could leave your clients on the hook for a couple hundred dollars a day out of their own pocket. With the built-in monthly benefit, your clients have a pool of dollars they can use on a monthly basis rather than per day.
  Custom Care III & Core Care now available in CT & IN - As a result, Custom Care II Enhanced has been discontinued in Connecticut and Indiana.
  Custom Care III NY Partnership plans now available