Long-Term Care with Life Insurance

Enroll Feb 3–Feb 21

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Getting the care we need is crucial, but costs can add up fast.
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What's special about this plan?

Spouse coverage is now available!

Guaranteed Issue: No medical exam or health questions needed to get this insurance policy (up to age 70 for employees/age 60 for spouse coverage)

Customizable coverage ranging from $25,000 to $100,000

Locked-in rates based on your current age

Easy payroll deductions and portability (take it with you if you leave your job)

Did you know?

In 2023, the annual median cost for long-term care ranged from $24,700 to $116,800—depending on the service.

Long-term care costs are usually not covered by your health insurance or Medicare. And Medicaid only kicks in after you’ve depleted your assets. This plan can help protect you and your family.

Log in to see plan details, personalized rates, and how to enroll.

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How does the plan work?

Scenario 1:
Maximize Death Benefit
‍You lead a full life and don’t need anylong-term care.
Total Death Benefits
$100,000
Scenario 2:
‍Split Your Benefits
You lead a full life and need home healthcare for 12 months.
Death Benefits $52,000
LTC Benefits (4%)
$48,000
Total Death & LTC Benefits
$100,000
Scenario 3:
Maximize Your Long-Term
Care Benefits
You lead a full life and need an assisted living lifestyle and/or nursing home care for 25 months.
Total LTC Benefits
$100,000

Why Long-Term Care with Life Insurance?

According to government estimates, 70% of people over the age of 65 will require long-term care.

Long-Term Care with Life Insurance is a two-in-one benefit that can help pay for your future care needs—and financially support your family.  

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