Fact: CASH pays a monthly cash benefit regardless of services used or amounts spent. An eligible policyholder can use their monthly cash benefit for care as they choose - whatever they need, from whomever they want, wherever they are, anywhere in the world - without policy restrictions or limits on services.

Fact: With the stock market down 30%, selling stocks at a loss to pay expenses first with a reimbursement long term care policy doesn’t make sense when you can get a 100% long term care cash policy that pays up front each and every month and no receipts need to be submitted.

Fact: Lawyers, engineers, teachers, municipalities, colleges, financial firms, etc. like CASH. LTC CASH™ policies do not coordinate with other benefits you might be receiving such as: Social Security, disability, or any other accident and health policies.

Fact: When given the choice, 9 out of 10 consumers and business owners would choose a CASH policy versus a reimbursement policy.

Fact: According to the American Council of Life Insurers, many owners of long-term care insurance policies bought their policies to provide financial security in retirement, rather than simply to cover a potential health risk.

Fact: On average, individuals providing care for a family member will lose $566,000 in wages, $25,000 in Social Security, and $67,000 in pension contributions. Generous tax benefits make long term care insurance an affordable component of a competitive and innovative compensation package.

Fact: One of the most common long term care scenarios is for wives to become the primary caregivers for their husbands, yet most do not understand that reimbursement contracts do not pay family members to care for them.

Fact: A 100% LTC CASH™ policy will cost as much or less than a reimbursement policy for most consumers under the age of 65.

Fact: High income earners prefer 100% LTC CASH™ plans for the simplicity and hassle-free claims process.

Fact: 100% LTC CASH™ policies cost 2/3 less than a typical disability policy. No proof of income or occupation is needed to be accepted.

Fact: LTC CASH is NOT disability insurance; however, LTC CASH™ with a Return of Premium option can be an alternative to DI.

Fact: The average turnaround time for reimbursement policies is two months. CASH policies pay CASH at the beginning of the month and no receipts need to be submitted.

Fact: Technology is changing at a very fast pace. LTC CASH™ policies keep up with the times, whereas, reimbursement policies typically remain static.

Fact: It is not uncommon to see people in their twenties purchase CASH long term care. A twenty-year-old can purchase a very comprehensive CASH plan for as little as $43.00 per month.

Fact: Policy holders receive an average of 14 more hours of personal care per week than those without insurance.

Fact: Once benefit-eligible, a claimant only needs to request a monthly check.

Fact: Businesses in today’s marketplace who take the opportunity to address the significant risk of long-term care reward owners, officers, and other key employees with a long-term care insurance policy. Employers can select the class of participants they wish to cover, since long term care insurance is not subject to non-discrimination rules.

Fact: Long term care insurance premiums paid by employers are not considered taxable income to employees.

Fact: Long term care insurance benefits are tax-free, even if paid by the business.

Fact: Typical health insurance and Medicare do not cover most long-term care costs and Medicaid doesn’t pay for long-term care until an individual meets the federal poverty level, or spends down assets. Employers who purchase long-term care insurance for their employees help them obtain long-term care coverage while protecting their hard-earned assets.

Fact: Employers and associations love using our website for their online application process because of the simplicity and ease of enrolling their employees/members.

Fact: Using pretax dollars to purchase long term care insurance can save an employee up to 30% rather than waiting until they retire.

Fact: ERISA laws specifically allow for an executive carveout with LTC CASH™ tax-qualified plans.