American Benefit Advisors
          Innovative HR & Benefit Solutions
ABA offers Long Term Care Plans from selected top rated carriers, with....
Superior coverage from carriers that have never raised rates on inforce business.

Monthly cash payments, regardless of location and regardless of actual expenses.

Payment options, such as Paid-in-Full in 10 years, 50% reduction in premium at age 65 or 70, and return of premium.

Benefit options, such as an extra $1,500 per month to cover drugs, housekeeping and any other expenses.

Up to 30% discount for married couples, plus up to 7% discount for Employer-endorsed plans.

May be fully deductible business expense and provided as a tax free Executive perk.

Click here for more information and a no-obligation rate quote for an Individual or Group plan from top rated carriers.
Workers caring for disabled elders with Long Term Care insurance are nearly twice as likely to be able to stay employed than are those caring for noninsured elderly or disabled individuals.*
* Source: MetLife National Study by the National Alliance for Caregiving and LifePlans.   Caregiving for an elderly parent or someone with significant disabilities can place great demands on a caregiver's time. Therefore, it is not surprising that there are many employees who must leave the labor force to care for a loved one. Yet other working-age individuals are able to continue to work while providing care, particularly where Long Term Care Plans are in place.  Caregivers often underestimate the time required for caregiving and the impact of their obligation on their work. Most of the caregivers surveyed started out providing a small amount of care, gradually taking on more and more responsibility.

^ Source: MetLife Study of Employer Costs for Working Caregivers.   These numbers should be considered very conservative. They are based on median wage data in 1997.  Most employers recognize that caring for older relatives is exacting a cost on U.S. business in terms of decreased productivity by those employees burdened with caregiving responsibilities.

According to the National Alliance for Caregiving/AARP survey, 23.2% of all U.S. telephone households, or 22,411,200 households, are involved in caregiving. The majority (64.2%) of these caregivers are employed, most (51.8%) full-time.  This translates into 14.4 million full and part-time employed caregivers who are balancing work with their caregiving roles.
Studies show that US employers lose $11.4 to $29 billion per year due to lost productivity of employees caring for older relatives. Over 20% of employees are providing eldercare, and their employers lose $1,142 to $3,142 annually on each "caregiving" employee for replacement costs, unscheduled absences and other workday interruptions.^
WARNING... Most states now recover from the estates of deceased Medicaid recipients for the cost of Medicaid paid nursing home and other benefits. Click here to read more.
For less than a typical monthly cable bill, a 55 year old couple can have the security of a $3,000 monthly Cash Benefit  no restrictions or claims  to submit for payment.
American Benefit Advisors, Inc.
Atlanta, GA   30077-2166

Phone 770-645-5989


© 2003 - 2013 by Noel Services, Inc. All rights reserved.
Authorized independent agent and licensed in GA 595707 and 153782, AL A221211, AR 394983,
AZ 1028006, CA 0I04295, FL P009487, IA 7081467, MO 8055643, MS 405036, NC 7081467,
NJ 1526012, NY LB-1177472, SC 380702, TN 930031, TX 1569264, and VA 614046. Coverages and availability vary by state. Not all businesses and individuals qualify. This does not constitute legal, tax, or accounting advice or opinion.  Consult with an experienced and properly licensed professional regarding the specific suitability of any planning technique or benefit plan design.

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