[Fredslist] Facts4Owners promotion

[Howard Bersch]

>From the desk of Howard W. Bersch

  

FACTS 4 OWNERS

1


REDUCE EMPLOYEE ABSENTEEISM
Caring for aging parents is a growing cause of employee absenteeism, costing businesses an estimated $17 billion each year. A full-time employee with caregiving responsibilities is absent an average 12 days a year and has other time losses totaling 23 days per year. WHO WILL BUILD YOUR BUSINESS WHILE YOU OR AN EMPLOYEE TAKES CARE OF AN AGING PARENT?
 

2


A REASON TO ACT NOW

Between 12% and 23% of persons who currently meet underwriting standards but wait until age 65 to apply for private long-term care insurance would no longer meet those underwriting standards and would not be eligible for the insurance. IF YOU WAIT, YOU MAY NOT QUALIFY FOR INSURANCE.

 

3


YOU MAY BE ABLE TO DISCRIMINATE

Premium payments for a tax-qualified long-term care insurance policy are 100% tax deductible as a reasonable and necessary business expense. Tax deductible insurance protection can be purchased for owners, employees and even non-employee spouses and retirees. It may be possible to create a class of select corporate employees eligible for this benefit. SPOUSES CAN BE COVERED WITH PREMIUM DISCOUNTS, USING PRE-TAX DOLLARS.

 

4


PRE-TAX DOLLARS PROTECT TOMORROW’S ASSETS

The average cost of a nursing home increased 6.7% annually between 1980 and 1997, while the CPI averaged only a 4.5% increase. The protection you buy today can protect against rising costs of care when needed. If costs grow by 5% a year, one year of care will cost $81,500 in 2010 and $104,000 in 2015. INFLATION PROTECTION OPTIONS CAN HELP YOU PROTECT THE FUTURE.

 

TAKE CARE OF TOMORROW TODAY

PLEASE CALL HOWARD W. BERSCH

888-851-9082 ext. 705

howard at hwbinsurance.com



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