New York Group Long Term Care Insurance Information (also CT & NJ)
Group Long Term Care Insurance is the American workers most requested new employment benefit. Employees are being forced out of the
work force because they are called upon to care for spouses and parents with long tern care needs. The largest growth in employee "down
time" today is caused by the need for taking care of aging parents.
When one of your employees needs long term care services or must provide long term care for someone at home, it may put your business
at risk because it can have a great impact on your bottom line. You may not notice the cost immediately, but over time it may really add up.
If an employee is providing care for someone at home it is almost as though they have another full time job. It may affect your business in the
following ways:

1. Decline in productivity
2. Decreased willingness to relocate or travel for work
3. Not able to work full time or must leave job altogether
4. Motivation and morale are compromised
5. Interruptions during the day to handle phone calls or emergencies
6. Absenteeism
7. Increased stress which could result in health related problems
8. Replacement costs if employee needs to resign
Long Term Care Insurance Employer Advantages
Health care legislation makes qualified long term care insurance policies more tax advantageous for both employers and employees.
Employers that pay for long term care insurance may be eligible for favorable tax treatment. The tax consequences vary depending on the
structure of your business.
1. Employer paid long term care insurance premiums for employee, spouse, and retiree coverage may be deducted as a business
expense.

2. Employers can cover defined classes of workers, making it possible to offer the benefit to only higher paid employees.

3. Employees with medical and dental expenses exceeding 7.5% of adjusted gross income may be able to also deduct eligible long term
care insurance premiums they pay.

4. Premiums are not classified as taxable income to employees.

5. Benefits are not considered taxable income to the insureds or their families (even if the employer paid the premium.)

6. Benefits are 100% tax-free to the employees whether the employee or the employer pays the premium.
Click on the link below to fill out a quote request form for a group long term care insurance plan that regardless of whether you're a large
employer or a small business, will provide reliable long term care insurance coverage at an affordable cost for your New York businesses
most important assets, your employees. Or speak with our Group Long Term Care Insurance agent specialist toll free at 1-800-498-1819
to discuss the long term care insurance policy features in more detail.
New York Group Long Term Care Insurance Quote
We offer reliable, experienced, and affordable New York group long term care insurance plan services to small business in the following New York counties and cities:
Westchester County, Putnam County, Orange County, Rockland County, Somers, Port Chester, Harrison, Mamaroneck, Larchmont, New Rochelle, Yonkers, White
Plains, Rye Brook, Scarsdale, Rye, Ardsley, Hartsdale, Bronxville, Mt. Vernon, Mount Vernon, Irvington, Valhalla, Elmsford, Dobbs Ferry, Hastings on Hudson,
Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough, Thornwood, Briarcliff Manor, Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood,
Pleasantville, Armonk, Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills, Cross River, South Salem, Yorktown Heights, Goldens Bridge,
Amawalk, Yorktown, Katonah, Salem Center, North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West
Nyack, New City, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey, Spring Valley, Congers, Nyack, Rockland Lake, Wesley Hills, New Hempstead, Pomona,
Sloatsburg, Ramapo, Hilburn, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw, Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain,
Jones Point, Newburgh, Middletown, Brewster, New York City, and Poughkeepsie, NY. We also offer group long term care insurance coverage services for your CT or
NJ small business.
Click below to fill out a NY, CT, or NJ quote request form!
"Your Local New York Group Long Term Care Insurance Specialist!"
DIRECT
ACCESS
GROUP
BENEFITS,
INC.
Employee Benefits Specialists
Call Us 1-800-498-1819
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With more than 20 years of offering affordable group insurance services to both large
employers and small businesses throughout New York, Connecticut, and New Jersey.
We're an independent insurance agency and therefore able to consistently offer cost
effective group insurance services which are driven by a total commitment to service.