Take The Confusion Out Of Linked Benefits
Linked Benefits Easily Explaind
Linked Benefit policies have a death benefit, maintains a cash value and can provide income tax-free payments for qualified long-term care related expenses.
I design Linked-Benefit plans to provide my clients with the flexibility they need to plan for potential long-term care expenses according to their individualized care needs.
Clients are offered a level of comfort knowing that they’ll recover at least the cost of their premium in one of the following ways:
• Long Term Care benefits
• A death benefit
• A combination of LTC benefits and death benefit
• Return of premiums
Choice of service
Clients are eligible to receive the following services:
• Home health care
• Assisted living
• Nursing home care
• Adult day care
• Informal care — they can pay a non-licensed family member or friend to care for them
• State certified, alternative-style long-term care services
• State-certified long-term care coverage options developed in the future
Clients pay for the long-term care services that fit their needs, based on the plan of care provided by their licensed health care practitioner.