Pennsylvania Group Long Term Care Insurance
Group Long Term Care Insurance is the American
workers most requested new employment benefit.
Employees are being forced out of the work force
because they are called upon to care for spouses and
parents with long tern care needs. The largest growth
in employee "down time" today is caused by the need
for taking care of aging parents.
When one of your employees needs long term care
services or must provide long term care for
someone at home, it may put your Pennsylvania
business at risk because it can have a great impact
on your bottom line. You may not notice the cost
immediately, but over time it may really add up.
If an employee is providing care for someone at
home it is almost as though they have another full
time job. It may affect your business in the following
ways:

1. Decline in productivity
2. Decreased willingness to relocate or travel for
work
3. Not able to work full time or must leave job
altogether
4. Motivation and morale are compromised
5. Interruptions during the day to handle phone calls
or emergencies
6. Absenteeism
7. Increased stress which could result in health
related problems
8. Replacement costs if employee needs to resign
Long Term Care Insurance Employer Advantages
Recent health care legislation makes qualified long
term care insurance policies more tax advantageous
for both employers and employees. Pennsylvania
employers that pay for long term care insurance may
be eligible for favorable tax treatment. The tax
consequences vary depending on the structure of your
business.
1. Employer paid long term care insurance premiums for
employee, spouse, and retiree coverage may be deducted as a
business expense.

2. Employers can cover defined classes of workers, making it
possible to offer the benefit to only higher paid employees.
3. Employees with medical and dental expenses exceeding 7.5%
of adjusted gross income may be able to also deduct eligible long
term care insurance premiums they pay.

4. Premiums are not classified as taxable income to employees.

5. Benefits are not considered taxable income to the insureds or
their families (even if the employer paid the premium.)

6. Benefits are 100% tax-free to the employees whether the
employee or the employer pays the premium.
Click on the link below to fill out a secure quote request form for a
Pennsylvania long term care insurance plan that regardless of
whether you're a large employer or a small business, will provide
comprehensive insurance coverage for your businesses most
important asset...your employees. Or speak with our
Pennsylvania Group Long Term Care Insurance specialist toll
free at 800-662-3982 to discuss the features.
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insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
Pennsylvania
Business Insurance
Group Long Term
Care Insurance
1 Stop Benefits, Inc.
1546 Old Farm Court
Yardley, PA 19067
Bucks County, Pennsylvania
Toll Free: (800) 662-3982
Secure Fax: (888) 662-3920
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1 Stop Benefits, Inc.
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We are a Yardley, PA insurance agency offering affordable Pennsylvania group long
term care insurance policy coverage to mid-sized, large, and small business in the
following towns, cities and counties in Pennsylvania: Philadelphia, Bridgewater,
Croydon, Bensalem, Nottingham, Edgely, Newportville, West Bristol, Strafford,
Devon, Berwyn, Port Kennedy, Newtown Square, Gradyville, Cheyney, Concordville,
Narberth, Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster,
York, Reading, Bethlehem, Pottstown, Coatesville, Kulpsville, Warminster,
Montgomeryville, Levittown, Valley Forge, Malvern, Green Tree, Paoli, Devault,
Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs, Audubon, Eagleville,
Evansburg, Worcester, Blue Bell, Center Square, Fort Washington, Doylestown,
Chalfort, Quakertown, Perkasie, Sellersville, Soudertown, Willow Grove, Warrington,
Morrisville, Ambler, Lower Gwynedd, Washington Crossing, New Hope, Richboro,
Feasterville, Southampton, Langhorne, Holland, Newtown, Emmanus, Hellertown,
Whitehall, Cetronia, East Texas, Lanark, Dorneyville, Wagnersville, Catasauqua,
Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North
Catasauqua, Stroudsburg, King of Prussia, Springfield, Woodlyn, Chester, Norwood,
Ridley Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge,
Yeadon, Upper Darby, Secane, Milmont Park, Garden City, Wallingford, Morton,
Aldan, Primos, Pilgrim Gardens, Colwyn, Lester, Essington, Eddystone,
Landsdowne, Fernwood, Milbourne, Havertown, Broomall, Penn Wynne, Merion
Station, Wynnewood, Haverford, Penn Valley, Bala-Cynwyd, Ardmore, Rosemont,
Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph Mills, Gladwyne,
Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport, Norristown,
Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North
Hills, West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park,
Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook,
Jenkintown, Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg,
Tacony, Kensington, Feltonville, Frankford, Olney, Andalusia, Cornwells Heights,
Bucks County, Philadelphia County, Delaware County, and Montgomery County,
PA. We can also offer group long term care insurance services to small business
throughout New Jersey, including in Ewing, White Horse, Mercerville, Hamilton
Square, Slackwood, Lawrenceville, Ewingville, Bakersville, Bordentown, Princeton,
Camden, Trenton, Hunterdon County, Mercer County, and Burlington County, NJ.
1 Stop Benefits, Inc.
Senior Settlements Division
17 Buttonwood East
Rumson, NJ 07760