We at Lavine LTC Benefits are thrilled to share groundbreaking news for the residents of Oregon! Short-Term Care Benefits have officially been approved in the state, ushering in a new era of healthcare with ManhattanLife's revolutionary OmniFlex™ Short-Term Care insurance (STCi).

For over 170 years, ManhattanLife has been a stalwart companion to its clients, consistently delivering easy-to-understand and extensive product offerings. In response to the rising costs of Long-Term Care insurance (LTCi) and the increasing difficulty in meeting health eligibility requirements, ManhattanLife has crafted OmniFlex™ to address the growing need for coverage with an affordable and flexible solution.

The Challenge of Rising Costs

The impact of escalating healthcare prices has touched numerous industries, and the health care sector is no exception. A semi-private Nursing Home room costs an average of $260 per night, with private rooms reaching an average of $297 per night. These figures are anticipated to rise, underscoring the importance of planning for future healthcare needs.

Introducing OmniFlex™: Your Future in Short-Term Care

OmniFlex™ is transforming the Short-Term Care insurance industry with its simplified underwriting, affordability, and unparalleled flexibility. This plan is designed to financially assist individuals facing physical challenges due to injury, illness, or medical conditions. OmniFlex™ automatically includes coverage for Nursing Homes/Facilities, Assisted Living Facilities, Hospice Care Facilities, Bed Reservations, and Prescription Drugs.

Customize Your Coverage

Enhance and customize your plan with optional benefits, including the Home Health Care Rider, Hospital Indemnity Benefit Rider, and the 5% Simple Inflation Benefit. OmniFlex™ is there for you when you need assistance with two or more Activities of Daily Living (ADL) or suffer from a cognitive impairment, paying benefits directly to you or a designated medical provider.

Unveiling the Fast-50™ Benefit

Exclusive to OmniFlex™ STC plans, the Fast-50™ Benefit waives the Elimination Period and pays a first-day cash benefit equal to 50% of your accumulated Daily Benefit. This feature is perfect for times when a spouse, family, or friends chip in and help with your care.

The Power of the Fast-50™: Real-Life Examples

Explore real-life examples of how the Fast-50™ Benefit has made a significant impact, providing immediate financial assistance and peace of mind to policyholders and their families.

Why Choose OmniFlex™?

Discover the reasons OmniFlex™ is an ideal solution, including its innovative plan design, higher issue ages (up to 89!), affordability compared to Long-Term Care insurance, and several optional benefits that add great value.

Act Now – Your Future Health Matters!

Now is the time to secure your Short-Term Care coverage with OmniFlex™. Don't wait for uncertainties; plan for your future health today.

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