Dear Friends,

As a result of approximately half of the U.S. workforce being projected to be involved in a caregiving event within the next five years, our firm, PJMI, Inc., has made a concerted effort to provide Long Term Care options to our clients.

Over the past three years, the percentage of companies offering Long Term Care plans has grown in excess of 15% and companies are using Long Term Care as a Recruitment and Retention Tool.  Also, 29% of Mid-Sized companies currently offer Long Term Care Benefits and Long Term Care is the most requested ancillary benefit in the workplace.  This information demonstrates the need for you to consider offering LTC Benefits to your employees.

We focus only on the Group  Long Term Care Products with the following key attributes:

-      Guarantee Issue Coverage for Employees (No Underwriting discrimination between employees)

-      Flexible Benefit Options

-      Indemnity Model NOT Reimbursement Plan

-      100% Portable at the same rates

-      Level Premium Structure: The age you buy into the plan is the age rate you pay for as long as you keep the benefit.

Long Term Care offered as a Group Benefit may include an Employer Funded Base Plan and in an effort to help maintain cost and provide the appropriate level of benefit, below are a few different successful implementation methods:

-      Employer Funded Base on All Employees with Voluntary Buy-Up Options

-      Employer Funded Carve-Out (Creates Executive Style Benefits) with Buy-Up Options

I encourage you to learn more about long term care insurance and would like to schedule a time for us to meet on this topic. By purchasing long term care protection now, you can minimize the cost, since the premium is lower the younger you buy into the coverage and does not increase as employees age.

We look forward to talking soon to expand on the information enclosed in this letter.

Sincerely,

Phil J. Muscarello, Jr. 

PJMI, Inc.

225-927-4687

pmuscarello@pjmi.com