Mom And Pop Worry About Nursing Home Bills

But the researchers also found that 45% believe that "it is necessary to offer health insurance as a benefit to find and hire qualified people."

About as many of the survey participants == 43% == said they believe they have a "responsibility as an employer" to offer health insurance benefits.

When the researchers asked micro business owners about the top 3 benefits that they could offer employees, only 6% said they think long term care insurance is one of the top 3 benefits sought by employees.

But 25% of the participants said they think LTC insurance is a top 3 benefit for themselves. Micro business owners said they think LTC benefits are more appealing than life insurance or paid sick leave. For the micro business owners, LTC insurance was almost as popular as dental insurance.

Similarly, although 37% of the business owners said disability insurance is a top 3 benefit for themselves, the owners said they believe employees are more interested in paid vacation time, dental insurance and paid sick leave as well as in health insurance and a retirement plan.