Agent Resources

LTC Solution Center

Assist your clients to plan ahead for their Long Term Care needs with our library of tools.

Hybrid 6 Step Planning Process for Advisors Six-step planning strategy for advisors to effectively utilize hybrid LTCi.

Hybrids Have Their Advantages One-page snapshot of the key features of each of the linked benefit products available through CBS Brokerage.

The CBS LTC Producer Kit

Resources

Agent Intro Training Guide to LTC

Long Term Care Product & Sales Tips

LTC Coverage Waiver Form

LTC Effective Advisor Process

LTC Linked Benefit Quote Request

LTC Medical History Form

LTC Health Questionnaire

Hybrid Quote Request Form

LTC Quote Request Form

2024 Tax Guide

LTC Types

Complete LTC Presentation

Full Client Presentation designed for advisors to use with clients when the sole or majority of the meeting time is about long-term care planning and the client has expressed interest in learning more. The presentation is intended to be educational, comprehensive and integrated in terms of its content. Because we realize that because of time constraints, undetermined level of interest in the topic of long-term care planning and competing other agenda items in client meetings, it might make sense for advisors to pull specific pages from the presentation that they feel are most relevant. Below are the individual pages that can be mixed and matched to story board in whatever order an advisor determines best serves the objectives of creating the kind of presentation and client experience the advisor intends.

LTC Criteria PlanningDescribes what custodial care is, conditions that may require chronic care, reasons to plan for managing these risks and under what financial criteria someone should consider private insurance to pay for long-term care insurance.

LTC Public and Private FundingCompares Medicare, Medical Assistance and Private Insurance funding for custodial care in terms of the actual benefits payable and the criteria for qualifying for and accessing benefits.

LTC Sample Recommendations and ObservationsSummary page demonstrating to clients a comparison of products considered (your due diligence), Observations (facts) and recommendations (your professional opinions).

LTC Cost of CareList of national and state by state average cost of care for in-home, community and assisted living and nursing home facility care.

LTC Vital Statistics- Probability and Magnitude.Facts relating to the duration of care and probability of experiencing a loss due to care in relation to other types of risks to give perspective.

LTC State PartnershipsDescription of the State Partnerships and how they work to protect more assets to leave loved ones by qualifying for public assistance at higher levels of assets without having to spend them down on care. This page relates only to traditional long-term care policies as life insurance based ltc policies do not qualify at this time, which is annotated in the page.

LTC Map of State ReciprocityShows clients which states have Partnership programs and to which states they could move to and receive the same benefits for the partnership program as their home state.

LTC Tax InformationExplains the potential tax benefits for various ltc policy arrangements depending on the insured and owners.