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4 Reasons to Enroll in Coverage

Why this employer offer is better than what you could get on your own.

How the Benefit Works

2 benefits 1 policy. LTC with Life Insurance.

How to file a Claim

Filing a claim is easy. Follow these steps.

Who pays for Long-Term Care?

Waiting to secure coverage can cost you later. Enroll today to lock your rate in.

Why Enroll Now: 5 Reasons People Choose This

Guaranteed acceptance, portability,
age-based pricing, choice, and value.

What does it mean to be TOMORROW READY?

Protect loved ones, keep independence,
and preserve savings for what matters.

Frequently Asked Questions (FAQ)

Please review the FAQs below about the Trustmark Life + Long-Term Care (LTC) Coverage. For moreinformation or help purchasing a policy, visit the Trustmark website or call 800-555-1523 to speak with aTrustmark Counselor, 8 a.m. – 5 p.m. Central Time, Monday – Friday.

Can I be turned down for health reasons?

No. Eligible employees ages 18–70 can enroll with guaranteed acceptance. That means no medical exams and no lengthy health questionnaires for most people—something that's often required when applying for coverage on your own.

What happens if I leave [Company]?

This policy is portable. If you retire or move on from [Company], you can keep your coverage as long as you continue paying premiums—no conversion required, no starting over.

Can my spouse enroll in coverage?

Yes. As long as you enroll as the employee, your spouse can secure coverage as well.

Does my rate increase as I age?

No. You lock your rate in at the age you enroll. There are no scheduled rate increases as you age.

How does the policy work?

2 benefits with 1 policy. You have access to long-term care benefits if you happen to need them later on and life insurance protection for your family.

What is long-term care (LTC)?

Why LTC planning is important.

Long-term care (LTC) involves a variety of services designed to meet a person's health or personal careneeds for a period of time and can occur at any age. These activities (also called “activities of daily living”) include bathing, dressing, eating, using the toilet and moving around (e.g., getting out of bed and into a chair) and are very expensive. See what the average cost of long-term care is in your state here. These costs are paid out-of-pocket by the patient.

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Calculate Your LTC Coverage Costs

Bi-Weekly Premium Rates

Coverage Level Option 1 Option 2 Option 3
Daily Benefit Amount $100/day $200/day
Bi-Weekly Premium $36 $84
Note: These are placeholder rates for demonstration purposes. Actual premiums may vary based on additional factors including health history, coverage duration, and elimination period.

Cost of Home Care

The cost of long-term care in your area is a main driver of 'how much coverage is enough'. Calculate the cost of home care near you.

 

More questions?

We have answers

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Talk with an Enrollment Support Team member at 1-800-555-0199.

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FAQ

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Video Library

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