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Long-Term Care Insurance - The New Employee Benefit

For many years employers have offered disability insurance to help employees replace income when they were unable to work but little thought was given to the fact that disability affects an employee’s ability to save for the future, putting retirement income at risk.

The solution for helping employees preserve retirement savings is to also offer long-term care (LTC) insurance. For employees of all ages, this coverage is a key component of retirement planning to help protect their income in the future.

Retirees today are living longer and longer life expectancies mean retirement savings must stretch further than ever and there is the possibility that some employees may not be able to save sufficiently for retirement or may even outlive their assets.

Employers who offer LTC insurance to their employees can provide a safety net that extends income protection into retirement and many employees prefer access to the coverage through the employer. A recent poll shows that 62% of workers would consider LTC insurance as a voluntary benefit if offered. If their employer would subsidize a portion of the cost, that figure jumps to 82%.

As today’s work force continues to age, more employees will approach their employers about sponsoring an LTC plan.  Companies that want to be proactive will act now by offering LTC insurance as the natural extension of the disability insurance plans they’ve offered for years.


For more information on any of these products or any other insurance products, please contact Sue Morand at (603) 224-6942, ext. 3204, or smorand@nhbar.org 

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