NH Group Long Term Care Insurance

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. New Hampshire 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.

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 New
Hampshire group long term care insurance plan that will provide
comprehensive long term care insurance coverage for your businesses
most important asset...your employees. Or speak with our Business
Insurance specialist toll free at 1-800-678-3431 to discuss the features.

We are your local southeastern New Hampshire, southern Maine
insurance agency, offering experienced group long term care
insurance services to businesses located in the following cities and
counties: Somersworth, Durham, Portsmouth, Dover, Rochester,
Rollinsford, Barrington, Madbury, Lee, Strafford, Farmington, Milton,
Barnstead, Nottingham, Northwood, Raymond, Newmarket,
Newfields, Stratham, Rye, Hampton, Epping, Exeter, Salem, Danville,
Deerfield, West Rye, Derry, Chichester, South Barnstead, Gilmanton,
New Durham, Wolfeboro, Alton, Laconia, Berlin, Lebanon, East
Candia, North Hampton, Hanover, Littleton, Plymouth, Claremont,
Newport, Keene, Hampton, Rye Beach, Strafford County,
Rockingham County, Hillsborough County, Merrimack County, and
Belknap County, NH. We also offer group long term care insurance
services throughout the state of New Hampshire, including the
Manchester, Nashua, and Concord area. Our service area in southern
Maine includes the following cities and counties: South Lebanon,
Kittery, Eliot, Berwick, Sanford, Blaisdell Corners, Springvale, Emery
Mills, Wells Beach, York Beach, Kittery Point, Kennebunk, Saco,
Biddeford, Alfred, Portland, Scarborough, Westbrook, Waterboro,
Shapleigh, Newfield, Buxton, Goodwins Mills, South Sanford, Cape
Elizabeth, South Portland, York County, and Cumberland County, ME.

**The information, pictures, and other content in this website about
particular insurance or financial services is only provided for informational
purposes. Any decisions regarding these services should be discussed
with a licensed insurance agent or financial services representative.