LTC HERO
protecting your future
Retirement worries?
Long-term care can be a scary topic.Let the LTC Hero's come to your rescue and alleviate
the stress and uncertainty of planning all your future care needs.
A health crisis that requires long-term care is the #1 risk to your personal legacy.
52,000,000 of us are
providing care to loved one
Caregiving is exhausting. We've lived it. Learn from our mistakes so you have a choice.
70% of individuals will
need long term care
Our specialty is honest advice paired with sensible tools.We are on a mission to support
families across the United States caring for their loved ones.
Let a LTC HERO answer all of your questions.
LTC HERO
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ABOUT THE LTC HERO
Meet the LTC HERO.
Andy Wayt makes planning decisions easy with his honest advice and trusted outcomes.He has served over 3,500 clients all over the world with a specialty in protecting families.He stays on the cutting edge of new laws, products and practices, keeping ahead of trends and utilizing time tested financial practices. Peers look to him to help their clients and has earned him the designation from MDRT as a Top of the Table designee.Andy and his family travel extensively and are licensed in dozens of jurisdictions.
The Heartfelt Guide to Group Long-Term Care Insurance
Do you recognize that your benefit offering could be the difference between preserving an employees legacy and losing it all?
Why Long-Term Care Matters
Life is a journey filled with cherished moments—laughing with friends, celebrating family milestones, pursuing passions. But as we age, there may come a time when we need a little extra help with daily activities like dressing, bathing, or simply getting around. It's not something we like to dwell on, but acknowledging this possibility is an act of love—for ourselves and for those who care about us.The Emotional Impact on Families
Imagine the emotional strain on family members who suddenly find themselves as caregivers. They may willingly step up, but the stress of balancing their own lives while providing constant care can be overwhelming. It can lead to burnout, strained relationships, and feelings of helplessness. By planning ahead, you relieve your loved ones of this burden, allowing them to focus on being your family, not your caregivers.What Is Group Long-Term Care Insurance?
Group Long-Term Care Insurance is a benefit offered by some employers that helps cover the costs of long-term care services when you can no longer perform everyday activities on your own. This isn't just about nursing homes—it's about receiving quality care where you feel most comfortable, whether that's in your home or a supportive community setting.
The Benefits That Touch the Heart• Peace of Mind: Knowing that you have a plan in place brings comfort to you and your loved ones.• Financial Protection: It helps safeguard your savings and assets, ensuring that the nest egg you've built isn't depleted by unexpected care costs.• Choice and Independence: It gives you control over the type of care you receive and where you receive it.• Easing Family Burdens: Reduces the emotional and financial strain on family members who might otherwise become primary caregivers.Why Consider It Now?
Time has a way of moving faster than we expect. By considering Group Long-Term Care Insurance now, you're taking a proactive step toward securing your future. It's not just an insurance policy—it's a promise to yourself and your family that you'll be cared for in the way that honors your life and legacy.
Taking the Next Step• Explore Your Options: Check if your employer offers Group Long-Term Care Insurance and understand the benefits included. The market has never been stronger to protect your employees.• Have the Conversation: Talk with your loved ones about your wishes. Open dialogue now can alleviate stress and uncertainty later.• Consult a Professional: Call us. We can guide you based on your personal needs and circumstances. Do not wait for ‘the call’ when it is too late to plan. Leverage the resources we have.An Act of Love & LoyaltyChoosing to invest in long-term care coverage is more than a financial decision—it's an act of love and respect for yourself and those who matter most to you. It's about preserving the quality of life, dignity, and independence that you've worked so hard to build.As an employer, employees are looking to you for vetted resources and guidance on what they should do. Give them the benefit of hindsight versus regret. People don’t know what they don’t know.And in one of their greatest moments of need—prevent the regret of ‘wishing I’d known...’ to be at the forefront of their minds.
Need More Convincing??
Benefits of Offering Long-Term Care Insurance in the Workplace
Education on LTC Planning:• Provides timely and valuable education on the need for LTC planning.
• Helps employees understand the importance of preparing for potential dependency in the future.Financial Security:
• Addresses a significant gap in employees' financial plans.
• Helps protect their 401(k) from unplanned health or LTC needs.Simplified Underwriting:
• Offers easier underwriting compared to the individual marketplace.
• Some plans may provide guaranteed issue coverage.Cost Savings:
• Provides unisex rates and group discounts.
• Generally lower rates than comparable individual market coverage.Customizable Plans:
• Allows employers to offer LTC Insurance creatively.
• C-level executives can get high benefit plans, while other employees can access meaningful coverage.Tax Benefits:
• Benefits are generally received income tax-free.
• Employees can pay for LTC Insurance through an HSA.Early Purchase Advantage:
• Encourages employees to buy earlier, leading to multiple benefits.
• Early purchase can significantly impact a family's life positively.
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