Calif. Kaplan should know. That's how you get participation. Custom designs Certainly, some of the employee feedback will indicate LTC benefits would be a non-starter. That was paramount in every focus group we did, in every survey we did.
More attention needs to be paid to product design.
It needs to be a professional challenge to the insurance industry. Those who sign up for this LTC policy complete their premium payments in 20 years. Also, premiums are returned to the policyholder's estate if that person dies before age 65. The group also puts a lot of communication and education resources into promoting LTC as well as its other benefits programs, Chapman says. We caution our members that this product is not for everyone.