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If you dread the cost of long term care insurance Corentin Tolisso Bayern Munich Jersey , perhaps you should look into partnership long term care insurance policies that offer big savings on annual premiums.


The partnership program was, after all, designed for people who cannot afford the high premium of a standard long term care insurance (LTCI) policy. You can purchase a partnership qualified LTCI policy with a benefit period of three years and save yourself a lot of money Christian Fruchtl Bayern Munich Jersey , as this will dramatically cut down your annual premium.


In case your insurance benefits turn out to be insufficient for your long term care (LTC) needs you may apply for Medicaid assistance without spending down your assets.


LTCI policies under the partnership program entitle policyholders to keep a portion, or an amount of their assets that is equivalent to their policy’s maximum benefit amount should they apply for Medicaid assistance after having exhausted their benefits.


Without a partnership qualified LTCI policy an individual will have to spend down his assets up to Medicaid’s required asset limit before he can apply and receive coverage. Since policyholders of partnership qualified LTCI policies are entitled to keep a greater amount of their assets, they will be able to pass these on to their heirs once they die.


More Gains from Partnership Long Term Care Insurance


Aside from gaining eligibility for Medicaid without having to spend down your assets and saving a chunk of money on the annual premium Blank Bayern Munich Jersey , there are other perks that come with a partnership LTCI policy.


You can expect your insurance benefits to double in just a period of 14 years because all partnership certified LTCI policies issue an inflation protection, which corresponds to the age of the policyholder at the time he purchased his insurance.


Policyholders who were younger than 61 years old at the time of their LTCI application are required to have a compound annual inflation protection. Those who were between 61 and 74 should have some level of inflation protection while individuals who were 75 and older at the time they applied are not required to get any form of inflation protection.


Apart from those mentioned benefits, anybody who is armed with a partnership LTCI policy can also choose to retire in any state that participates in the reciprocity agreement of the partnership program. This agreement allows the policyholder to receive asset protection in his or her new state of residence should she decide to apply for Medicaid assistance in the future.


Even though practically all states offer the partnership program Arturo Vidal Bayern Munich Jersey , not every one of them participates in the reciprocity agreement so if you’re contemplating moving to another state upon retirement just see to it that the place you’re moving to is not exempted from the partnership program’s reciprocity agreement.


Partnership long term care insurance policies are just among the options that you can look into. You are free to check out the offerings of other LTCI products but if you’re planning your future healthcare on a budget then this product will definitely protect your finances.

IN THIS COLUMN I want to review five simple retail strategies that will give you quick results.

Conversion rate improvement

One of the commonly missed opportunities is in the area of conversion rates. "Sales are down!" cries the retail owner, and their solution is to spend more money on advertising. But what happens if you get all of these leads into the business and your sales team is not converting? Time and time again this is the greatest opportunity to increase sales - by focusing on improving the conversion rate. It is also the cheapest way to increase your sales.

Quick win: Set a conversion rate target for a short period, say for one month. Make it a focus for all in the business or maybe only one department. Make it a mantra in the business to make sure no one leaves your doors without buying something Arjen Robben Bayern Munich Jersey , or to follow up every outstanding proposal.

Simplify your range

A customer enquires about a product or service that you do not offer or supply. The sales team approaches you and informs you about the constant requests for this particular item, so you start to supply the new product.
Time goes on and more customers enquire about more items, which the business does not supply. Therefore you buy the new products in an attempt to capture all the sales you can. Before you realise it Xabi Alonso Jersey , you have such a vast product range that the customers and staff cannot identify the core product offering of the business.

You cannot be the master of everything. Work out what people really buy from you and ensure that you master that well. If your business sounds like this example, then it is time to do some spring cleaning and let go of your non-core offerings cluttering the business and, more importantly Tom Starke Jersey , the customer's perception. Quick win: Take one department or category in the business. Review the products and services on offer and compare them to actual units sold. For all of the non performing offers, remove them from your business at once.

Introduce a "gutsy" customer guarantee

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