Incubating Long-Term Care Sales:
Keeping Your LTCi Clients at
Home Where They Belong

Many people still equate long-term care insurance with nursing home coverage. Most of them will tell you a nursing home is the last place they want to be. What they may not realize is that LTC insurance also provides coverage for home healthcare services that can allow them to remain in their homes.
The home healthcare features offered through Mutual of Omahaีs LTC insurance policies can help overcome the common objection, I donีt need long-term care insurance because Iีm never going to a nursing home.
Dave Gregg, LTC insurance product manager at Mutual of Omaha, said, าReasonable people can plan to live a long life. When they age, they get sick and when they get sick, they need help. It might simply be help with day-to-day activities like cooking, cleaning, and shopping for groceries. They could need skilled care provided by a visiting nurse. Either way, itีs important to let them know that this care can be provided at home and that LTC insurance can help pay for it.

Home Healthcare

Mutual of Omahaีs LTC insurance policies pay benefits for covered home healthcare expenses including the services of a registered nurse, home health aide or therapist, maintenance or personal care services to assist with activities of daily living, homemaker services, such as grocery shopping, meal preparation and housekeeping and adult daycare.

Care Coordination

In addition, Mutual of Omahaีs LTC insurance products offer a care coordination feature at no extra cost and without a reduction in benefits. Care coordination matches people to licensed healthcare practitioners who can help develop an appropriate plan of care and find services and providers your clients may not be able to locate on their own.

Home Modification

If modifications are necessary to allow the insured to remain safely at home, Mutual of Omaha will pay up to 60 times the home healthcare daily benefit amount for home modification. Mutual of Omahaีs LTC insurance policies clearly specify the amount the company will pay for home modification, plus other items like durable medical equipment and medical alert systems. Many other carriers lump these things together under าalternative careำ so the insured doesnีt know for sure what they could receive under their policy.

Spouse Shared Benefit Option

Spouses share everything else, why not share LTC insurance benefits? With this optional feature, if one spouse runs out of coverage but still needs care, benefits can be accessed under the other spouseีs identical policy. And if either spouse dies while both policies are in force, the surviving spouse receives the deceased spouseีs remaining maximum lifetime benefit with no effect on premium.

Medication Management

To address the growing concern of medication noncompliance, Mutual of Omaha offers another unique tool to help ensure people take their medication as prescribed. The policy pays for a home healthcare service to make a reminder phone call or for some other reminder device. This feature can help people stay at home longer and avoid the need for more costly care.
าClients who say they donีt need LTC insurance because theyีre never going to a nursing home simply need to be educated about how LTC insurance can keep them out of a nursing home. This gives you the opportunity to address their fears and provide a solution that can help them stay at home where they belong,ำ Gregg said. Now Available in California

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Mutual of Omahaีs LTC insurance products allow your clients to tailor an LTC insurance plan to meet a variety of needs. Our LTC insurance rates are among the lowest in the state. Call today for more information at 1-800-693-6083.