The Elimination Period: Calendar Days or Service Days The Elimination period is the number of days an individual is responsible for self-funding a qualified long-term care event before benefits begin to be paid. It’s similar to a deductible but measured in days either...
For millions of entrepreneurs, the dream of opening a new business or expanding an existing one would never come true without relying on a business loan. And according to the most recent study by the Small Business Administration Office of Advocacy, Small Business...
Want to achieve two, three or even four sales with just one effort? It’s easier than you might expect. Lead with a discussion about enhancing the company’s employee benefits by offering voluntary multi-life disability. It’s a low-cost / high-value solution that many...
The average age of a new individual disability insurance client is 58 years old, according to the Milliman 2016 Annual Survey of the U.S. Individual Disability Income Insurance Market. Is that older than you expected it to be? Here are four reasons people in their 50s...
Jenny is a 45-year old career veterinarian with her own practice. Her compassion for animals and their owners made her business so popular, her clinic simply couldn’t handle the load any longer. She had hired more staff and was running out of space, so finally...
Summer is officially here. Summer solstice 2017 has arrived. School years end, BBQs begin, and baseball’s all-star game is just around the corner. This is my favorite time of year. Mainly, because it is a great time to relax, spend time with...
By 2030, women are expected to control two-thirds of the nation’s wealth. Pause a moment and take that in. That’s less than thirteen years away. Will your practice be prepared? To be positioned to serve a changing client base establish recruiting goals that reflect...
Have you been reluctant to target millennials in your practice? Based on the sheer size of this generation, they’re a worthy focus. Even more motivating than the numbers (83+ million), millennials are predicted to be the beneficiaries of the largest wealth transfer in...
Looking for ways to increase your disability insurance sales? The physician disability insurance market can be a very successful place to start. The health care field in general is the fastest growing industry in the country, employing almost 17 million Americans. To...
Long-term care insurance benefits cover the cost of care up to a monthly maximum amount. The maximum is either the daily cost of care or the monthly cost of care. The difference impacts the insured’s out of pocket expenses. Case in point: Cost of Care...
