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 IRS Announces Eligible Long-Term Care Insurance Premium Deductions for 2013

The Internal Revenue Service ("IRS") has announced its annual cost-of-living and inflation adjustments for 2013.


Tax laws require the IRS to adjust the dollar amounts of dozens of tax provisions each year to account for inflation, including adjustments for eligible long-term care insurance ("LTCI") premium deductions.

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These ideas can help you focus your clients on coverage they can count on. They are designed to provide suggestions on how to target customers who are concerned with securing the right amount of coverage at a price they can afford today. These suggestions introduce ways to capitalize on what already makes TransCare� II great and close the deal.



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As couples look forward to the future and begin to prepare for the next phase of their life together, they may not have considered the financial, physical, or emotional impact presented by the need for long-term care.



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LTCi News

December 2012


I Can't Afford Long Term Care insurance

Some of your clients may be wary about Long Term Care insurance because they may have heard that it is too expensive. They may not realize that they can create a plan that can meet their needs for insurance coverage and also stay within their budget.


Consider the real-life long term care example of Terry. She was the planner for the family and always had a list. She even kept a list for all her lists so she could stay organized. She liked the idea of Long Term Care insurance. However, her husband thought it would be too expensive. She decided to get a quote and found that they could create a plan that they could afford now with guaranteed inflation protection and manageable annual increases with the Step-Rated Compound BIO. She also was able to qualify for the preferred health discount, which helped lower premium costs a little more.

The Truth:

By 2030, one in five Americans will be a senior citizen and estimates are that those needing Long Term Care insurance will grow to more than 23 million Americans. And each one of them is looking at projected long term care costs of about $300,000 a year.*


Long Term Care insurance is not cheap, but TransCare� II policies can be created to be more affordable and help provide your clients with additional security.


Consider suggesting the Step-Rated Compound Benefit Increase Option (BIO) which allows your clients to have the guarantee of inflation protection and pay for that protection through increases over the lifetime of the policy. Premiums start lower than the traditional Compound BIO and increase by the same percentage rate as benefits on every anniversary. It can allow your client to afford premiums now and plan ahead for future increases.


However, your clients may be concerned with the costs associated with inflation protection or want more benefits on hand now versus letting them grow over time. These clients may prefer a plan that provides a larger daily benefit for a shorter benefit period. It's a great way to provide immediate protection with the confidence of knowing the exact size of the benefit pool of money.


These options may be a better solution than if your clients need long term care services and do not have the added protection of TransCare� II Long Term Care insurance.

Would you like to learn more about the Step-Rated Benefit Increase Option? This new agent video helps you better understand the TransCare� II Step-Rated Benefit Increase Option and how it can help your clients.


The DAI LTC Support Desk
 (877) 876-5553 

Our Long Term Care Center has extensive experience in the industry providing policies across the nation. Our accomplishment is due to the fact that we understand the issues that are associated with selling and marketing Long Term Care insurance.


We Make It Easy for You...

  • Proven communication plans that help explain and convey the importance of long term care to your clients.
  • An in-house sales support staff knowledgeable of the field is there to support you throughout the process.
  • Multiple underwriting and discount programs
  • Flexible premium payment methods are available.


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