LTC Insurance Carrier and Product News

Medamerica Agent Technical Bulletin, May 17, 2012

Date: May 17, 2012

RE: New Personal Worksheet Required in CA Product: CareDirections Simplicity® States: CA Agent Technical Bulletin URGENT: PLEASE READ

New Personal Worksheet Required in CA In compliance with CA DOI requirements, MedAmerica has updated the Personal Worksheet included in the California Simplicity Application Forms Books to reflect the most recent listing of all MedAmerica rate increases approved and/or requested to date. Please discard any inventory of old CA Simplicity Application Forms Books you may have and replace them with the updated versions (S234-CA-0312 & SE244-CA-0312). These new forms books are available now for order or download from MedAmerica’s agent website. Old Personal Worksheets signed by 6/15/12 will only be accepted through 6/30/12. For Agent Use Only 525T-173 MedAmerica Insurance Company MedAmerica Insurance Company of New York MedAmerica Insurance Company of Florida Home Office: Pittsburgh, PA Home Office: Rochester, NY Home Office: Orlando, FL Agent Line: 800.724.1582 Web: www.MedAmericaLTC.com

MedAmerica Agent Technical Bulletin, April 18, 2012

Date: April 17, 2012 RE: NEW FORMS REQUIRED: Civil Union Act Notice Required in DE & IL Products: FlexCare, Simplicityii & Transitions States: Delaware & Illinois

Effective Immediately — Delaware & Illinois Civil Union Act Notice Now Required Effective immediately, Delaware and Illinois now require that all long term care insurance application booklets include a Civil Union Act Notice. This notice informs potential insureds about the Civil Union Act now in effect in these states.

Download Medamerica Bulletin 4-18-12 Civil Union Act Notice Required in IL & DE).

The MedAmerica Connection, April 9, 2012

The latest issue of The MedAmerica Connection is now available. Please click on the link below to view volume 2, issue 3.

Download MedAmerica Connection Volume 2 Issue 3 4-9-12

Medamerica Connection - Volume 2, Issue 2, March 6, 2012

The MEDAmerica Connection Volume 2, Issue 2 In This Issue Letter from the Editor Placement Improvement Program Sales Strategies Just for Fun In the News   Welcome! Check out the latest from The MedAmerica Connection, a resource where you can find the news you need, keep your finger on the pulse of what's going on in the LTC industry, and stay connected with your preferred LTCi carrier. Letter from the Editor Where does the time go? In 1987, the seeds of MedAmerica were sown as Finger Lakes Long Term Care Insurance Company. The mission was simple—provide the best and most affordable long term care insurance possible. That was 25 years ago, in a year that shared many auspicious debuts. The Simpsons family appeared as a short on The Tracey Ullman Show. They’ve since gone on to broadcast more than 500 episodes, earning their spot as the longest running sitcom in television history. That same year, the Irish rock band U2 produced their first chart-topping album in the US, with the release of The Joshua Tree. They have gone on to win 22 Grammys—more than any other rock band. 1987 was also the year that brought us the birth of one of today’s most influential and polarizing figures—Nicole "Snooki" Pollizi, from MTV’s Jersey Shore. We’ll have to wait to discover what her legacy will be, but every indicator points to our culture never being the same. So, what’s my point? A lot can happen in 25 years, but real success can be attributed to a willingness to stick to your mission and preserve your values (Snooki, are you listening?). A quarter century ago, MedAmerica set out to provide the best and most affordable long term care insurance products possible. If you look at our portfolio of products today, you’ll recognize that we have done just that. I encourage you to take the MedAmerica quiz below, and find out how much you know (and don't know) about us. Over the next few issues of the MedAmerica Connection, we’ll be highlighting our 25 years of accomplishments and innovations; and calling out our singular focus and dedication to the chronic care insurance market. We hope you’ll be as excited as we are about this momentous milestone, and get a sense of where we’re headed for the next 25 years! Placement Improvement Program Your success is important to us! That’s why we’ve launched a comprehensive program designed to help increase your placement rates with MedAmerica. The Placement Improvement Program features: Series of underwriting training presentations Underwriting Corner in every issue of the MedAmerica Connection Enhancements to the Partners in Underwriting Program Ask the underwriter webinar sessions and more! Click here to view the program launch announcement, or get started with the first web training module of the series, Quality Field Underwriting. View the Quality Field Underwriting module » Sales Strategies Refresh Your Client's Coverage With a Cash Boost! Leads are king and have been since the beginning of time. Before you start looking too far for the golden goose, look in your file cabinets. Let’s say you have a client who already has a traditional reimbursement-style LTCi policy. Tell them it’s time for a visit and a client review. You can help them discover the holes in their existing program and give that program a Simplicity Cash Boost—a minimal benefit amount with a low elimination period. Your client can tap the Simplicity policy first so he can receive benefits sooner, and have the added benefit of receiving cash to use for their choice of services, including home care coverage and household maintenance. Doing this will provide your client with extra security and help them pay for the care and services they need to preserve their lifestyle. And, it doesn't hurt your bottom line either! Click here to for a complete script on how to sell the Cash Boost » An Easy Way to Design an Affordable FlexCare™ Plan FlexCare’s Combination Benefit Increase rider, “Combo Rider,” is a unique inflation option available only through FlexCare, that allows you to add more sizzle to your client’s long term care plan. The Combo inflation rider provides 5% compound growth through age 60 and then 5% simple growth from ages 61 through 74. This provides very adequate inflation protection at super competitive rates. Using the Combo Rider allows you to sell larger daily and maximum benefits from day one, eliminating the need for your client to wait years for policy benefit buildup. You can also sell a lower elimination period or even add on a limited pay option with the savings. The bottom line is you don’t have to sacrifice affordability to get a great inflation option. Using the Combo Rider allows you to be more creative when designing a long term care plan to meet your client’s needs and budget. Call our FlexCare marketing partner AIMS today at 800-325-9876 to learn more about the Combo inflation rider…and Good Selling! Check out this brochure that illustrates just how competitive the Combo Rider is! » Transitions One of the challenges of adding a new product to your offerings is knowing where it fits into your portfolio and also where it fits into your client's budget. Sometimes it's handy to have a quick reference tool to help you quickly find an affordable option for your clients. That's why we created the Basic Monthly Rate tool which provides some base policy rates at common issue ages. Keep in mind this is only a snapshot of the benefit options and ages available for Transitions—you can always use our rate sheets and rate calculator to determine rates for other plan designs. Stay tuned as we create additional rate tools in the coming months! Download the Basic Monthly Rate Tool » (Note: For template STC states only) 25th Anniversary Quiz Test your knowledge of MedAmerica history with this quick 5 question quiz. How did you do? Be sure to email your results, for a chance to win a free MedAmerica 1GB USB flash drive. Send your test results to timothy.murray@medamericaltc.com, by March 15, 2012. All entries (regardless of score) will be entered to win. Just for Fun Last month, we published a light-hearted take on the underwriting process, The Underwriter's Ode. We invited you to submit your own LTC-themed poems and were bowled over by the creative responses we received. This month we'd like to feature some verse from Julie Gelbwaks Gewirtz, Executive Vice President at Gelbwaks Executive Marketing Corp., located in Plantation, FL. LTC Insurance Poem A long term care policy, what does it mean? It’s got more features and riders than most have ever seen. It is a complex contract full of definitions and exclusions, And to a non-insurance person, it’s a whole lot of confusion! Read more » Live Training Be sure to take advantage of the live training opportunities that are offered each and every week. Every Thursday at 2 PM, EST we offer a training webinar that is geared toward introducing new agents to MedAmerica and our Simplicity cash product. While it’s called the new agent webinar, it’s also great for seasoned agents who are looking for a refresher on our Simplicity cash product. View the schedule» Every Tuesday at 3 PM, EST you can get on board to learn more about our Transitions recovery care product. In addition, we’ll be offering special evening Transitions training webinars on March 8 (9 PM, EST), and March 22 (8 PM, EST), for those agents who spend the daylight hours in the field, away from their computers. View the complete schedule» Our marketing partner AIMS offers a slew of training seminars for FlexCare that cover everything from basic product training to how to sell associations and employer groups to best practices in underwriting. Check out these webinars and learn how to kick your FlexCare sales into high gear. Download the March schedule»   In the News Did you know that our NYS Partnership rates are the lowest in the state? So, if you’re choosing which New York State Partnership policy to sell based on affordability, MedAmerica wins, hands down! Click to view a rate comparison» FlexCare is now available in 40 states, and the product is rolling out in Ohio and Kansas on March 12! Launch map» Transitions is now approved in 35 states! Click here to see where and to learn more about this great new product. 2012 Medicare Guides are now available. Order hard copy through the agent website or download your copy today» 2012 Long-Term Care Insurance Summit March 15th, 2012 is the final day to take advantage of the best rate ($219) for the 2012 Long-Term Care Insurance Summit, November 10-12th, in Las Vegas. The program for the Summit is now online. A few highlights include special new sessions conducted by Harley Gordon and CLTC's top national trainers, sessions on selling over the phone/Internet, selling multi-life long-term care insurance, selling hybrid products and a chance to network with hundreds of LTC producers, marketers and insurers from all across the country. The keynote speaker is Knight Kiplinger, one of America's foremost economic forecasters. For more information, contact the American Association for Long-Term Care Insurance at (818) 597-3227.

Medamerica Agent Technical Bulletin, March 6, 2012

Date: March 6, 2012

RE: MedAmerica Announces New Assignment of Compensation Policy

States: All

Agent Technical Bulletin

For Agent Use Only

525T-166

MedAmerica Insurance Company MedAmerica Insurance Company of New York MedAmerica Insurance Company of Florida

Home Office: Pittsburgh, PA Home Office: Rochester, NY Home Office: Orlando, FL

In an effort to streamline operations, MedAmerica has updated its assignment of compensation policy. Under the new policy, agents and agencies will have the option to assign either 100% of compensation payable (both first year and renewals), or 100% of renewal compensation only. Partial assignment of compensation is not allowed.

Only compensation for MedAmerica business can be assigned at your request. If you wish to assign compensation for business MedAmerica has assumed or for which MedAmerica acts as a third party administrator, you must contact the carrier and request the carrier send a formal notification directing MedAmerica to assign the compensation on your behalf.

In order to assign compensation, the agent/agency to whom you are assigning compensation must be active and appointed with MedAmerica. Also, please note that MedAmerica will only allow assignments after any debt/advances are paid or earned in full.

If you have any questions about this new process, or need an assignment of compensation agreement, please contact your

MedAmerica Sales Director.

As always, thank you for your business!

Agent Line: 800.724.1582

Web: www.MedAmericaLTC.com

Medamerica Agent Technical Bulletin, February 29, 2012

Date: February 29, 2012

RE: Update to FlexCare Partnership Inflation Requirements in Nebraska

States: NE

Agent Technical Bulletin

For Agent Use Only

525T-167

MedAmerica Insurance Company MedAmerica Insurance Company of New York MedAmerica Insurance Company of Florida

Home Office: Pittsburgh, PA Home Office: Rochester, NY Home Office: Orlando, FL

Please be advised that the Partnership parameters have changed for FlexCare in the state of Nebraska. The Guaranteed Purchase Option is no longer a Partnership-qualified inflation rider in this state. For additional details please Download FlexCare PRT Update Nebraska PDF.

MedAmerica Product & Compliance News, January 9, 2012

Date: January 9, 2012

RE:

Important Reminder & Clarification: Additional HIPAA Authorization Required

 

States: ALL

Agent Technical Bulletin

URGENT: PLEASE READ

For Agent Use Only

525T-162-R2

MedAmerica Insurance Company MedAmerica Insurance Company of New York MedAmerica Insurance Company of Florida

Home Office: Pittsburgh, PA Home Office: Rochester, NY Home Office: Orlando, FL

Agent Line: 800.724.1582

Web: www.MedAmericaLT C.com

Avoid Delays!

Make sure you get off to a great start with your 2012 sales!

Back in November, MedAmerica announced its latest effort to improve underwriting time service by utilizing a prescription

screening tool. Please remember that in order to utilize this tool and process your applications for Simplicity, Simplicityii,

FlexCare, CT Partnership and NY Partnership applications,the applicant must sign the Supplemental HIPAA Authorization form in addition to the HIPAA Medical Authorization form included in the application booklets. The Supplemental HIPAA Authorization form is required in order to utilize our prescription screening tool, while the HIPAA Medical Authorization is a required piece of the filed and approved application. Applications received without both forms signed are considered incomplete and we can NOT begin the underwriting process. Both authorizations must be submitted with each new application. The only exception to this requirement is Employer Programs whose Initial Open Enrollment began in 2011 and closed in 2012. After this initial open enrollment and for all other Employer Programs, the Supplemental Authorization is required.

Availability of Forms Booklets with Supplemental HIPAA Authorization

We are currently in the process of updating all of our forms booklets to incorporate this form. Forms booklets will either have “1011” printed in the lower right hand corner of the cover to indicate that the additional authorization is included in the booklet, or, if the new version is not yet available in your state, a booklet of Supplemental HIPAA Authorizations will be shipped with your order. Remember, your client must sign

both the Supplemental HIPAA Authorization and the HIPAA Medical Authorization included in the application. A separate authorization is not required for Transitions applications.

Resources

To review the original announcement regarding the improvement in underwriting time service and the details surrounding the use of the Supplemental HIPAA Authorization,

We wish you great success in the new year!

click here. To download the Supplemental HIPAA Authorization,click here, or visit the MedAmerica agent website. With any underwriting questions, please contact our Partners in Underwriting Hotline at 1-800-233-5435.

MedAmerica Product & Compliance News, January 3, 2012

Don’t let Hancock’s departure from the group LTCi market translate into lost business for you. Instead, offer those groups a MedAmerica plan!

Throughout 2011, we saw several changes in the LTC industry that had a significant impact on agents and their clients. MedAmerica has been watching these changes and acting accordingly to help agents continue to grow their business despite these challenges. For example, when MetLife announcements left a void in the employer LTC market, MedAmerica introduced the Employer Case Continuity Program to help agents “find a home” for the new hires of their corporate clients. Now, with John Hancock’s recent announcement that it will no longer accept enrollment of new hires within their existing group LTC client base as of January 1, 2012, MedAmerica will step up to the plate once again. Effective January 1, 2012, MedAmerica is offering a new Employer Case Continuity Program to help agents address the void left by John Hancock in the LTC Group market. Through this program, agents can present either our Simplicity 100% cash product featuring our turnkey Simply Business program, or our new FlexCare LTC program, to their existing John Hancock LTC corporate clients as a new case.

What does this mean for you and your clients? Well, it means that even though a group LTC program has been previously offered to the employees of your John Hancock client, including an initial underwriting concession, MedAmerica will consider this case a new account and allow you to offer a new open enrollment period featuring our multi-life underwriting concession. This will give employees a chance to enroll in a new LTC program with an initial underwriting concession, as well as provide an on-going option for new hires through the coming months and years. So, you get to preserve your relationship with your employer client, and you get the opportunity to drive more business by conducting a full-fledged open enrollment!

(10 life minimum participation rules apply.)

To find out more about the 2012 Continuity Program and how you can partner with MedAmerica, call our agent services line at 800-724-1582 or contact your MedAmerica National Sales Director.

We look forward to working with you!

MedAmerica Insurance Company of Florida

Home Office: Orlando, FL

MedAmerica Insurance Company of New York

Home Office: Rochester, NY

MedAmerica Insurance Company

Home Office: Pittsburgh, PA

For Agent Use Only

525F-66

MedAmerica, December 2011

ISSUE 7 Gems from Jules From the Desk of Julie Perry, National Sales Director MedAmerica Insurance Company December 2011   In This Issue Julie’s Note: A Wonderful Life Getting the Most from FlexCare Online Agent Training Hancock EP Continuity In the News A Message from Julie 'Tis the season to reference one of my all-time favorite movies, "It's a Wonderful Life"! To think of it, I have probably seen this movie every year since I can remember. And, no, I am not going to tell you how long that has been (Editors note: a hint appears somewhere later in this posting). Legend has it that Bedford Falls, the fictional hometown of the Frank Capra classic, is based on the small town of Seneca Falls, here in upstate NY. We all know the story of "It's a Wonderful Life," but to me it's really about living your life to the fullest and being grateful for all that you have. I still get tears in my eyes when George Bailey, holding Zuzu in his arms, looks around the room full of family and friends, amazed with all that has transpired. I know, it is just a movie, but day in and day out, we are affected by the little things that can (and do) add up to something wonderful. When I look around at MedAmerica, I also see a room full of family and friends, and have a feeling, probably very similar to George Bailey, that I'm part of something wonderful, too. Did you know that in 2012, we will be celebrating 25 years as an exclusive long term care insurance carrier? I simply have no idea where the time has gone. I was here in the beginning (Editor's note: hint, hint) and I have been honored and humbled to be part of this very special organization. We have a lot of great events planned for our "Silver" anniversary, so keep an eye out in the new year. In the meantime, I wish you all a beautiful and happy holiday season, and hope you remember that "Every time a policy gets issued, an agent gets his wings!" Or, at the very least, a little jingle in your pocketbook. As always, contact me anytime. I'm here to help! Julie Getting the Most from FlexCare At this point, we all know that there are some pretty incredible features of FlexCare that set it apart from the competition: 100% worldwide coverage, calendar day elimination periods, unique couples benefits, and cutting edge inflation options. Most importantly, it allows the most flexibility of any product on the market to custom design a price-sensitive option. And when it comes to closing the sale, we all know it usually comes down to one thing. Price. So, how do you position FlexCare to win the price war? Here's one idea. Use the Combination Benefit Increase Rider. This innovative inflation option increases the current daily and lifetime maximum benefit annually by 5% compound through age 60. From age 61 through age 74 the benefits increase annually by 5% simple. What does this mean? More than adequate inflation protection for your client at super competitive rates. Read more » Fast Fact Did you know that every other week MedAmerica offers a Transitions product webinar? In addition to the weekly new agent webinars, we now offer a webinar dedicated exclusively to our new short term recovery care product, Transitions. Download the Transitions webinar schedule here!     Latest News Get Your Learning On We're excited to announce the release of two new online training modules: Agent Contracting 101 » Not sure which forms to submit? This interactive training takes the guess work out of agent contracting. Transitions Application Training » With new products come new applications, and the potential to hit a few bumps in the road. Avoid all that by taking a minute to see how simple it is to fill out a Transitions app and start earning commissions today! View the complete library » We're Growing With the world economy in an unprecedented slump, and domestic hiring mired in a bog, we're happy to announce that we're bucking the trend! Our sales are up, and as a result we're happily adding new staff to our customer service and claims departments. Better for you, better for your clients! Here We Come to Save the Day Wondering what to do with those Hancock true group cases you have on your books? Well, wonder no more! With so many carriers entering and exiting the market, like it's a revolving door, it's good to know that MedAmerica is here for the long haul. Learn more In the News Agent Bulletin: MedAmerica Changes Online Enrollment System to Enhance Multi-Life Sales Success Read more » FlexCare is now available in 38 states» Transitions now available in AL, AR, FL, GA, IA, KY, LA, MI, NC, OH, SC, TN. Coming soon to AK, KS, NE, OR, & SD. Read more»

MedAmerica Product & Compliance News, December 13, 2011

MedAmerica Changes Online Enrollment System to Enhance Multi-Life Sales Success

MedAmerica has been at the forefront of electronic enrollment practices for several years. It is our mission to provide you with the most effective, efficient and productive processes to support group enrollments. One of our first efforts was the

online self-enrollment process for Simplicity

ii.

While this process has served us well in the past, it has become cumbersome and ineffective, in part due to ever-changing compliance/HIPAA mandates which must be incorporated into very complex electronic routines. We have had much greater success with our agent-assisted online enrollment system, which we continue to enhance. Not only is this system easy to use, but we have found that agents who use this system tend to enjoy greater group participation rates than those using the self-enrollment system.

Given all of the above, MedAmerica will withdraw the online self-enrollment process from the field effective January 1, 2012. This includes multi-life cases with open enrollments beginning in 2011 that extend into 2012. Agent-assisted online enrollment will continue to be available.

If you have not used our agent-assisted online enrollment system, please contact your MedAmerica National Sales Director for assistance. It is our pleasure to provide you any support you need to be effective as we make this transition. A series of webinar training programs on the agent-assisted online enrollment system will be available soon.

If you have any questions, please direct them to your MedAmerica Sales Director.