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Group Long-Term Care (LTC) Insurance

Health care worker providing care to patient in a wheelchair.

More employers, organizations, and associations than ever are providing group long-term care (LTC) insurance for employees or members. With today’s aging workforce, long-term care protection has become a very real concern. A group long-term care insurance plan can provide significant advantages for employers and employees, as well as tax incentives for small businesses. Get in touch with our agent at ISAA Insurance & Financial Services in Winston Salem, North Carolina, to discuss your company or group’s long-term care insurance needs.

Advantages of Group Long-Term Care Insurance

Group long-term care insurance advantages include streamlined health underwriting and discounts. There can also be significant tax benefits for small businesses that offer long-term care insurance to their employees. In larger businesses, LTC insurance can be included in an employee benefits package as part of a strategy to recruit and retain the top talent, contain costs, and enhance employee productivity.

Employer-sponsored long-term care programs can be 100% voluntary, which means the entire premium is paid by the employee. When offered on a voluntary basis, LTC protection can provide significant benefits to employees at no cost to the company. Additionally, employer contributions to group long-term care premiums are deductible as a business expense.

Group Long-Term Care Insurance Discounts

Insurance companies offer premium discounts to employees, spouses, and extended family members on employer-sponsored long-term care insurance plans. Even when the program is 100% voluntary, a group long-term insurance policy can save significant amounts for employees. Contact our agent at ISAA Insurance & Financial Services in Winston Salem, North Carolina, for assistance in providing this important benefit to your employees or members.

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Superior service both Heather and Devora are experts in this field.

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Heather is hands down the best agent around!

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"She helped me for years to realize the importance of planning now for later."

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