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GROUP COVERAGE

Success in the individual marketplace led to interest in group long-term care insurance as an employee benefit. The first group long-term plan was written in 1987, and a small but growing number of employers, mostly large ones, now make coverage available. The number of insurance companies writing coverage has also grown, but it still remains relatively small and is primarily limited to the largest group insurance carriers.

For the most part, group long-term care policies are comparable to the better policies being sold in the individual marketplace. However, there are a few differences, mostly because of the characteristics of group coverage:

 

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