Offer a Quality Benefits Package

As an employer you have several options regarding offering long-term care insurance to your employees.

1. You can offer long-term care insurance to all of your employees on a voluntary basis only.
2. You can offer a "base" plan only. "Base" meaning a very basic plan that has limited benefits. Then, if the employee is interested in additional coverage they can "buy up" and purchase more coverage.
3. You can offer an employer-paid comprehensive long-term care insurance policy to all employees.
4. You can do an executive carve-out. You can legally carve-out classes within your employees and only purchase long-term care insurance for them. For example if you only wanted to pay the premiums for your senior management you could do that.

With some carriers, when you offer long-term care insurance to your employees they will receive discounted premiums. Often, these discounts are available to the extended family members (parents, in-laws, grandparents) of your employees as well. This is important because if your employees' family members have long-term care insurance this allows your employee to stay on the job rather than having to miss work, or worse, quit work to become a caregiver.

Before taking applications on the employees, a series of educational efforts need to take place to encourage employee participation.

One on one meetings are also needed to meet the employees and their family members to encourage them to apply for the long-term care insurance.