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Fellow GCM
Members
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Dear Colleagues,
You are so good about taking care of everyone else,
now is the time to think about yourself!
Just a quick note to thank so many of you for both the
opportunity to serve you and for your referrals over the
year.
As
members of the NY Chapter of GCM, you were previously
entitled to a 5% discount for Unum's LTC insurance
product for both members and their families. This
discount is no longer available to new members. It
is still an excellent product, but, due to competitive
product changes and price increases, it is now quite
costly for new buyers. I've reviewed the newer products
available to associations and have found some attractive
alternatives.
In order to move forward, I need some information
from you. Insurance carriers require an
indication of support from NYGCM leadership. Your
leadership, in turn, want to hear from members to
ascertain interest. Each carrier has different
requirements regarding the number of possible
applications in order to determine their discount to the
association.
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Most products will be available, at a reduced cost,
to members, spouses, parents, in-laws and some, to
other extended family members including
grandparents. These are individual, not group
products, so all riders and additional discounts are
available. |
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There are several excellent plans offering a wide
range of benefits and options. Some of the newer
products allow you to buy a "starter" policy and add
on, without evidence of insurability, in the
future. Most now pay on a monthly basis, allow for
independent home care personnel (formerly only
possible with an indemnity plan), offer "shared
care", return of premiums and other innovative
inflation protection options. Most carriers also
carry Partnership products. Note, regardless of
which plan is selected for GCM, everyone will be
advised of other products that also meet their
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Simply reply to
jcharnow@ltcamerica.com,
indicating, without obligation of course, interest for
yourself or family members. I will then dialogue with
the carriers and come back to the group with several
options.
Our new website is being
developed at this time, but feel free to browse our
existing site. Feel free to call me at 516-375-1875 or
(888) 380-5443 if you have any questions, or email me at
jcharnow@ltcamerica.com
Best Regards,
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Jerie Charnow, MSW
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LTC America, LLC
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A Founding GCM Member
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