Last year was a significant year in long-term care insurance offered through the worksite, as companies such as Prudential and Unum decided to stop writing group LTC policies. Currently, there is only one major writer of group LTC insurance, Genworth Financial, and it is being selective about which carriers it is making offers to.

That said, 2013 should be a year of growth in LTC sales through the worksite. In many ways, it is beneficial for an employer to have the individual product offering. Here's why: First, individual contracts are between the employee and the carrier and are fully portable. Second, employees will get the latest product and policy features available through the carrier without affecting current policyholders. And third, since LTC insurance is not a pre-tax benefit, convenient direct billing is available for the employee.

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