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KTB Senior Advisory Team

You have the unique opportunity of having our knowledgeable team go out and meet with your clients and help them with Medicare supplemental coverages as well as Long Term care Insurance. Contact us or submit a request through our website.

Long Term Care Insurance

Why is Long Term Care Insurance Important?

Why should a broker like you bother with learning another product, especially one that seems complicated and has so many dimensions?

If you don't discuss LTC with your clients, another agent will. LTCI is an important part of a client's financial plan. With costs at more than $40,000 for long-term care expenses, your clients need to hear about LTCI from you.

Without LTCI, people are self-insured until they use up their life savings. Then they might qualify for Medicaid; the government welfare program. Even with those restrictions, taxpayers spent more than $5 billion last year for Pennsylvanians receiving long-term care services under the Medicaid program. You owe it to yourself and your community to promote LTCI as a private sector solution.

Start here and familiarize yourself with the important considerations for selecting/suggesting/purchasing a long-term care policy.

Kistler-Tiffany Benefits represents the following LTCi carriers to fit your client's needs:


Allianz Genworth Genworth
MetLife Mutual of Omaha
New York Life Penn Treaty

Medicare

Why is this type of coverage important?

Medicare Supplement Insurance is NOT a substitute for Long-Term Care Insurance.

There are several reasons you may need to obtain Medicare Supplement information for yourself. They may be:

1. Just turning age 65
2. Under age 65 Medicare eligible
3. Don't like current Medicare Supplement plan
4. Carrier is terminating your plan
5. You are is over age 65 but never enrolled in Medicare's Supplement
    plan and want one now.

How is this type of coverage purchased?

Different rules apply depending on your current situation:

1. Guaranteed Issue
2. Pre-Existing Condition
3. Open Enrollment

Purchase a Medicare supplement plan for yourself as the policyholder with the assistance of an agent that specializes in Medicare related issues.

How to learn more

Contact you Kistler-Tiffany Benefits' representative for more information. For general Medicare information, please feel free to visit: www.medicare.gov

 




Partners

page-iconRead the article written by Ross Schriftman, Long Term Care Insurance specialist at Kistler Tiffany Benefits.

envelope-iconContact us to obtain a copy of booklet The Shoppers Guide to Long Term Care Insurance

form-iconProposal Request for Individual Long Term Care Insurance

form-iconProposal Request for Medicare