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Long Term Care Plans (LTC)

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.

Karam Financial Group customizes LTC product offerings to provide your executives with affordable and practical coverage. We work with many top insurance carriers to help acquire competitive products and help 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 waived during disability