While many people plan for future financial risks with life insurance and disability insurance, most fail to realize long term care (LTC) coverage is omitted from most healthcare plans.

With the passage of the HIPAA in 1996, Congress cleared the way for LTC coverage to enjoy the same tax benefits as major medical insurance-specifically employers can deduct the costs of establishing a LTC program.

Balser Companies designs customized LTC programs that provide your executives with the most affordable and practical coverage available. We work with the top insurance carriers to acquire the best-available products, and then adapt them to fit the specific needs of your organization, features can include:

• Skilled In-Home Care
• Facility-Based Care
• Tax Free Benefits
• Inflation Protection
• Premiums Are Waived During Disability

Balser provides a full range of enrollment and administration services to encourage high participation rates and ongoing participant satisfaction. Balser Companies provides expertise and support for a variety of "lifestyle protection" programs - including long term care, disability income protection, permanent life insurance, and other related programs.