Custom Care Solution, LLC. (CCS), is a full service, wholesale Long-Term Care General Agency. We currently operate in all 50 states. CCS represents all of the major individual and group long-term care carriers in the marketplace today. Due to the evolving and rapidly changing long-term care marketplace, CCS focuses on implementing long-term care insurance for employer groups, their executives and their employees. CCS is completely impartial in its recommendation and works closely with employers, consulting firms and insurance brokers to develop and roll-out the best plan to fit each client's specific needs. Once the proper fact finding has been completed, only then does CCS recommend or suggest carriers to fit the company's profile. Depending on the locations, the health, the demographics of each specific group, CCS will recommend Group LTC or Employer-Sponsored, Discounted, Individual LTC. CCS will occasionally recommend and implement two distinct plans for different populations of employees.

Consider the Facts:

• Nursing home care in 2004 cost an average of $191 per day for a private room or about $69,715 annually, and 24-hour home care can cost as much or more than nursing home care.
• Most of these costs are not covered by health, disability insurance, or Medicare
• Medicare pays for less than 20% of our nation's long term care bill
• Medicaid, the government plan which does help pay for LTC costs, dictates that people must impoverish themselves before they can receive government assistance.

Even those who are young and in good health may still find themselves facing a long term care situation. In addition to their own risk of needing long term care, working age adults may need to provide care for an aging parent or family member. This can have a profound impact on their health and their performance at work.

Did you know that...

• 40% of people who need long term care are working-age adults between 18 and 64.
• More than 26% of the adult U.S. population provided care for a chronically ill, disabled, or aged family member or friend during the past year.
• 59% of caregivers are employed.
• According to the 2001 study by AARP, nearly 20% of sandwich generation caregivers - those between ages 45 and 55 - have cut back their work hours, even though they're in their prime earning years. And 27% help pay expenses for older family members.
• 33% of caregivers say they experience emotional stress due to caregiving.

The Next Generation Perk-LTC??

Most business owners value the loyalty, longevity and hard work of their employees, and are always mindful of the tangible ways in which they can demonstrate with gratitude. A valuable addition to any employee benefits package is long-term care insurance.

In business, you need powerful benefits to recruit and retain valued key employees.

The next generation perk for Key Employees is Long-Term Care Insurance.

An attractive individual long-term care insurance policy will make your company more valuable to your employees - and more visible in your industry.

The Most Common Reasons Employers Offer Long-Term Care Policies:

• Offers your employees and their family members the opportunity to purchase LTC Insurance at discounted prices.
• Helps protect the company's investment in human resources.
• Helps reduce employee stress, absence from work, and turnover.
• Enhances existing benefit offerings.
• Helps employees, their spouses, and other family members meet their needs for financial and emotional protection.
• Helps protect and improve productivity and morale by helping employees meet their caregiving responsibilities.
• Helps recruit, reward, and retain quality employees.
• Reduces absenteeism among employees who provide care at home.
• Sets you apart from other employers who do not offer this valuable benefit.
• Costs you little or nothing.

Consider the Savings:

• Premiums for Employer-Paid LTC are 100% Tax Deductible.
• Cost of replacing a managerial employee can reach 250% of annual salary.
• Cost of replacing a non-managerial employee can reach 150% of annual salary.
• U.S. businesses lose as much as $29 billion annually in lost productivity due to caregiving.

Long-Term Care Insurance can provide many favorable tax advantages to employers who decide to pay for the benefit for their employees:

• Under current tax law, employers may determine eligible individuals for a company-paid plan by a particular class of employee.
• Employer premium contributions made for the employee and his or her spouse may be 100% deductible as an ordinary business expense; and
• Benefits remain non-taxable to the employee.

How the Employee Benefits:

• Includes discounted premiums for themselves and eligible family members.
• Simplified Health Underwriting Process (easier to qualify).
• Advantage of Payroll Deduction for Premiums.
• Choice of Individual policies.
• Benefits are not considered taxable income.
• Features portable coverage.
• Allows employees to maintain attendance and performance at work.
• Helps ensure accumulated savings and retirement plans are protected.
• Allows premiums to be tax-deductible as a medical expense*.
• Provides access to a valuable benefit at a reduced cost.

* Subject to certain limitations

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