Schenectady Insuring Agency

NYHASA Services
	NYAHSA Services Inc. Benefit & Communications Program Website: www.nyahsa.org/nyahsa_services/ Long-Term Care Insurance—An Enhanced Long-Term Care Insurance Program Offered through the NYAHSA Services Inc. Benefit and Communications Program Fact: 40 percent of all persons receiving long-term care in this country are working adults ages 18-64. Fact: 40 percent of today's retirees who left the work force earlier than expected say they did so because of health problems or disability. While long-term care is often provided by nursing homes, it is largely provided by family and friends at home. So how does a person who needs expensive long-term care maintain their lifestyle and the opportunity to receive care in their home, assisted living facility, or nursing home of their choice? Schenectady Insuring Agency can help! As an independent insurance agency, Schenectady Insuring Agency can offer you and your employees most long-term care insurance plans offered in New York State. This includes the New York State Partnership and tax-qualified policies underwritten by quality companies like John Hancock, Metropolitan Life, GE, and MedAmerica. Fact: Tax treatment for long-term care policies in New York State is now one of the best in the nation. The New York State tax credit is equal to 20 percent of the premiums paid during the tax years for qualifying long-term care policies. The credit is also available to employers who pay premiums for qualifying policies for their employees. There may be additional tax advantages for employer-paid policies. As a NYAHSA member, you and your employees are eligible for a 10 percent discount when you purchase a MedAmeria long-term care policy. This discount extends to family members. Additionally, Schenectady Insuring Agency can offer all the long-term care insurance products available in New York State, including the New York State Partnership Program.		NYAHSA Services Inc. Benefit and Communications Program