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long term care insurance: employers
As a good corporate citizen, your company no doubt has comprehensive benefit plans in place for your full-time employees, such as hospital and medical, disability and group life. These are practically prerequisites for employers these days as most competitive businesses have them.

However, most major health plans do not cover the costs associated with chronic, long term conditions that require nursing home or other custodial care. Long term care is the type of help you need when you’re not able to perform daily activities of living such as eating, bathing and dressing by yourself. Typically, it's not provided by doctors or skilled nursing professionals, and its goal isn’t to cure an illness.

While substantial support can be provided by family and loved ones, the major costs1 associated with long term care – paying for an array of personal care, health, social and supportive services – can place significant financial and emotional burdens on your employees and their families.

The security offered by an individual tax-qualified long term care insurance policy from MassMutual is a great way to round out your benefit programs, help protect employees and enjoy additional tax advantages2.

Access a link below to see how a tax-qualified SignatureCare® Long Term Care benefit offering can be designed to fit your specific needs.

for benefit managers
A valuable voluntary benefit that's flexible and tax-qualified – to help you attract, retain and protect employees.
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employees
You probably are already taking advantage of the basic benefit plans offered, including medical, disability and group life. Will that be enough?
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1 MetLife Mature Market Institute, Market Survey of Nursing Home and Home Care Costs, September 2006.
2 The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
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learn more about SignatureCare® long term care insurance
#050140-000 10/06
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