Executives Protect Retirement with LTC Insurance

Keeping up with the “New Executive” ,[object Object],[object Object],[object Object]

Who’s offering what? ,[object Object],*Clark Bardes Consulting, Compensation Resource Group, 2001 Executive Benefit Survey 17% Long Term Care 31% Excess Disability Benefits 47% Supplemental Death Benefits 75% Supplemental Executive Retirement Plan 86% Non-Qualified Deferred Compensation ,[object Object],* Benefit Program

Preserving and Protecting Retirement Assets ,[object Object],[object Object],[object Object],“ A study by the U.S. Department of Health and Human Services indicates that people of age 65 face at least a 40% lifetime risk of entering a nursing home. About 10% will stay there 5 years or longer.” -HIAA LTC Guide 1996/1997

[object Object],[object Object],[object Object],Aging Work Force Source: The MetLife Study of Employee Benefits Trends, November 2004

What does Long Term Care mean? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],Preserving and Protecting Retirement Assets “ A study by the U.S. Department of Health and Human Services indicates that people of age 65 face at least a 40% lifetime risk of entering a nursing home. About 10% will stay there 5 years or longer.” -HIAA LTC Guide 1996/1997

Executive Retirement Assets ,[object Object],[object Object],[object Object],[object Object]

Effect of Long Term Care Cost on Retirement Assets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Over half of all women and about a third of all men who live to age 65 will spend some time in a nursing home 4 . The probability of either the executive or spouse needing some form of care can be as high as 65% after age 65. 4 “Long-Term Care Insurance: A special Guide” Kiplinger’s Retirement Report, June 1999

Effect of Long Term Care Cost on Retirement Assets

Effect of Long Term Care Cost on Retirement Assets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

HIPAA 1996 & Tax-Qualified LTC Insurance ,[object Object],[object Object],[object Object],“ Choice has always been a luxury for those who could pay for it.”

[object Object],[object Object],[object Object],[object Object],Keeping up with the “New Executive”

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Keeping up with the “New Executive”

Questions & Answers: Tax-Qualified LTC ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Questions & Answers: Tax-Qualified LTC ,[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Questions & Answers: Tax-Qualified LTC

[object Object],[object Object],[object Object],Questions & Answers: Tax-Qualified LTC

[object Object],[object Object],[object Object],[object Object],[object Object],Questions & Answers: Tax-Qualified LTC

[object Object],[object Object],[object Object],[object Object],Questions & Answers: Tax-Qualified LTC

Return Of Premium ,[object Object],[object Object],[object Object],[object Object]

Advantages for Key Executives ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Advantages for your firm ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Executives Protect Retirement with LTC Insurance

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