Better Benefits
Insurance Disclosure
Effective date: September 6, 2026
This disclosure is intended to clarify the nature of the information and insurance-related services described on the Better Benefits website.
1. Website Information Is a General Summary
Information on this website is general and educational. References to Long Term Care benefits, life insurance benefits, hybrid or combination products, employer-paid, employee-paid, or shared-cost coverage, portability, guaranteed or simplified underwriting, or other product features are descriptive summaries only and may not apply to every policy or program.
2. Policy Documents Control
Actual insurance coverage is governed exclusively by the applicable policy, certificate, rider, application, enrollment materials, insurer underwriting rules, and other governing documents. If website language differs from those documents, the governing insurance documents control.
3. Product Availability Varies
Insurance products and services are subject to availability and may vary by state, insurer, employer group, case size, employee eligibility, issue age, underwriting, participation, and other requirements. Not every product or feature described on this website is available in every jurisdiction or for every employer or employee.
4. Long Term Care and Life Insurance Features
Some insurance products may combine life insurance with benefits that can be used for qualifying Long Term Care needs. Benefit triggers, definitions of covered care, elimination periods, benefit periods, monthly benefit amounts, exclusions, limitations, premium guarantees, cash values, death benefits, restoration features, and portability provisions vary by product. The phrase "built-in life insurance benefits" is not intended to imply that every Long Term Care product includes the same life insurance features.
5. Underwriting and Enrollment
Any references to guaranteed issue, simplified issue, limited health questions, or other underwriting approaches are subject to the rules of the specific insurer and employer program. Eligibility and underwriting requirements can change and may differ by state, age, enrollment period, coverage amount, and employer group.
6. Premiums and Employer Cost
The website may describe programs as employer-paid, employee-paid, or shared-cost. The employer may choose how the program is funded, subject to available plan designs, carrier requirements, and applicable law. Employer contributions are not required for every program, and employee contributions, when used, may be handled through payroll deduction where available. Premium rates and payment arrangements are determined by the applicable insurance program and enrollment elections.
7. No Tax, Legal, Financial, or Medical Advice
Better Benefits does not provide legal, tax, accounting, investment, or medical advice through this website. Employers and individuals should consult their own qualified advisers regarding ERISA, tax treatment, payroll practices, employment law, benefits administration, financial planning, or other matters requiring professional advice.
8. Insurance Licensing
Insurance solicitation, recommendation, negotiation, and placement are conducted only where and by persons properly licensed or otherwise authorized as required by applicable law. Website availability does not mean that Better Benefits or any individual representative is authorized to transact insurance in every jurisdiction.
9. Compensation
When permitted and applicable, Better Benefits may receive commissions or other compensation from insurance carriers or other insurance-market participants in connection with insurance products or services placed. Compensation arrangements may vary by product and carrier.
10. No Carrier Endorsement or Guarantee
Unless specifically identified in formal materials, references to insurance concepts do not constitute an endorsement by any insurer. Better Benefits does not guarantee the financial performance, claims decisions, underwriting decisions, or future conduct of an insurance carrier.
11. Illustrations, Examples, and Statistics
Any examples, benefit scenarios, cost figures, statistics, or illustrations appearing on this website are for explanatory purposes. They should not be treated as quotes, guarantees, actuarial projections, or representations of the terms that will apply to a particular employer or individual.
12. Contact
For current information about a specific Long Term Care benefit program, including availability, eligibility, underwriting, premiums, exclusions, limitations, and policy terms, contact Better Benefits at (516) 320-4798 or info@betterbenefits.com.