Long Term Care Insurance for New York Businesses

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

Recent 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 an employee benefit
long term care insurance plan that regardless of whether you're a large
employer or a small business, will provide excellent long term care insurance
coverage at an affordable cost for your New York, Connecticut, or New
Jersey businesses most important assets, your employees. Or speak with our
Employee Benefit Insurance Agent Specialist toll free at 1-800-498-1819 to
discuss the features.

We offer affordable group employee long term care insurance plan services to
businesses in the following New York counties and cities: Westchester County,
Putnam County, Orange County, Rockland County, 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,
Somers, 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, and Poughkeepsie,
NY.

We offer affordable group employee long term care insurance plan services to
businesses in the following Connecticut counties and cities: Fairfield County,
Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old
Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North
Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport,
High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South
Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding, Topstone,
Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding, Titicus,
Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe,
Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull,
Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff,
Devon, Lordship, and East Bridgeport, and New Haven, CT.