In the early 2000s, the long-term care market was robust, with many carriers offering products. More recently, that has changed. Many group carriers have exited the market and employers stopped sponsoring such programs. But they haven’t disappeared entirely, and that’s good news for advisers.

While many carriers still aren’t offering group coverage, employees do have access to long-term care through their employer as a voluntary product, says Sharla St. Rose, director of voluntary benefits at NFP.

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