Article: Long-term care: Selling the benefit.(Cover Focus Benefits & Financial Services)

Byline: Meg Fletcher

You see your aged father's physical health declining gradually, despite his sharp mind and strong will.

But you don't realize how much he needs help until you discover that he has a sore on his heel because he is spending too much time sleeping in his favorite chair while wearing shoes he can no longer take off by himself.

Many insurers and producers say people are going to have to experience such moments-and their emotional toll-before they decide to buy long-term care insurance for themselves or to offer it to their employees.

Traditionally, long-term care insurance has not been a popular product for employers ...

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