NBC's Hybrid Life insurance & long-term care solution

Why Employers Should Offer Long-Term Care Insurance!

 

• 70% of Americans turning 65 will need long‑term care at some point in their lives, making it one of the most predictable yet least‑prepared‑for risks. 
• National average costs continue to rise, with skilled nursing facility care now exceeding $100,000 per year on average. 
• Employees are largely unprepared, and Medicare does not cover long‑term care services, leaving families exposed to significant financial and emotional strain.
• Offering LTCI strengthens retention and loyalty, signaling that your organization protects employees not just at work, but through life’s most vulnerable seasons.
• A modest employer contribution of only $25 per month can unlock guaranteed‑issue coverage, giving employees access to protection they often cannot secure on their own.
• Hybrid coverage combines life insurance with long-term care benefits which guarantees benefits will be paid even if LTC services aren't needed.