LTC
LTC Stats
These statistics help you gain perspective into the strain and stress caring for a loved one with a long-term illness or injury can put on immediate and extended families.
Long-term care statistics
Long Term Care Statistics
Use these statistics as a tool to help you gain a greater understanding of the challenges facing care providers and the corresponding long-term care planning opportunities these challenges create.
US Dept of Health and Human Services
This is the United States Government's clearing house for all long-term care related information.
Long Term Care Resource Center
Use this site as a government sponsored self study tool for clients who have the need to become more informed about all the issues associated with providing long-term care and long-term care planning.
State Guidelines
These guidelines help you identify the critical differences in Medicaid guidelines from one state to the next.
Key Medicaid / Health Figures
Understanding each individual states Community Spousal Resource Allowance and home equity limits are critical to effectively identifying each individual customers financial exposure in the event of a long-term care claim.
Calculators These calculators help you assess your clients exposure to the risks associated with long-term care.
MMMNA Calculator
Minimum Monthly Maintenance Needs Allowance
The Medicaid agency in each state calculates the income the spouse of a nursing home resident - the "community" spouse - must have to survive. This amount is based on a standard formula (which may differ somewhat from state-to-state) which includes some housing costs. Based on the determination of this income or allowance, or "Minimum Monthly Maintenance Needs Allowance" or "MMMNA", the agency determines how much of the nursing home spouse’s income the community spouse may keep.
NOTE: California and Hawaii use the maximum MMMNA for all community spouses.
Patient Pay Amount Calculator
This calculator provides an estimate of the amount a nursing home resident covered by Medicaid must pay the nursing home each month. This amount is often referred to as the "patient Pay amount" or "PPA". In essence, the nursing home resident must pay all of his or her income to the nursing home less a small personal needs allowance, an allowance for a spouse or dependent child living at home and any health care expenses, such as health insurance premiums. The calculations may differ in your state, so consult with and elder law attorney or the Medicaid agency for an exact figure.
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Life Insurance
Life Policy Annual ReviewThe Life Policy Annual review will help you determine whether or not a client has the most competitve insurance policy available.
Policy Annual Review Fact Finder
Use this piece to gather general inforce policy information from your clients.
Policy Annual Review Inforce Policy Authorization Complete to give Capital Indemnity Group authorization to obtain all pertinent inforce policy information.
Insurance Release Forms
Release FormsThe Release forms will help you to meet the ever increasing level of scrutiny placed upon today's advisors....
Long Term Care Release Form This is a consent form that you can make your own by printing on your company letterhead. This indemnification document is for you to use with clients that choose not to implement a long term care insurance policy you have recommended.
Life Insurance Release Form This is a consent form that you can make your own by printing on your company letterhead. This indemnification document is for you to use with clients that choose not to implement a life insurance policy you have recommended.
Disability Insurance Release Form This is a consent form that you can make your own by printing on your company letterhead. This indemnification document is for you to use with clients that choose not to implement a disability insurance policy you have recommended.