Allstate LTC Enrollment

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Your Employee Advantages

Jefferson offers a voluntary life insurance with long-term care (LTC) benefits plan from Allstate insurance. Please note this benefit will not replace your existing life insurance - you can be enrolled in both plans. The Allstate plan helps protect you with a long-term care event. Please review the information below.

2 for 1

One policy with two benefits. Long-term care protection if you need care and life insurance protection for your family. As long as coverage is active during this time, a benefit will always pay.

No Health Questions

Eligible employees can not be declined for coverage during an approved enrollment period. Select up to $150,000 of life insurance with automatic acceptance (no health questions). Spouses/partners can select up to $75,000 of life insurance. Click here for detailed eligibility .

Lock in your Rates

Pricing is based on your age - apply while your premiums are at their lowest. The longer you wait to purchase coverage, the more expensive it will cost.

Life Insurance

Life insurance protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. You can select up to $150,000 with GUARANTEED acceptance into the program. No health questions will be asked. For limitations and exclusions click here.

1 Policy with 2 Benefits

Long-Term Care (LTC)

If you become chronically ill, your policy will pay you 4% of your selected life insurance amount each month you receive Long Term Care. You will have access up to your life insurance amount to help pay for LTC services.

Example: $100,000 of life insurance would pay $4,000 per month in LTC benefits with a total LTC benefit of $100,000.

The cost of Long-Term Care compared to your Assets & Expenses

Long-term care services can be expensive. According to the US Department of Health and Human Services, the average cost of care can range from $48,048 - $100,380 per year depending on the type of care you are receiving and where you are receiving that care. Long-term care planning should be a included in any responsible personal financial plan.

What are employees' top 4 sources of financial stress?

Financial stress is never a good thing, especially if you're thinking about retirement. If you are concerned about being able to afford healthcare costs in retirement or outliving your retirement savings you're not alone according to a recent MetLife study. The largest potential healthcare expense during retirement may be a long-term care event. The Allstate life insurance with LTC benefits program offers long-term care protection if you happen to need care at any point.

Americans realize the importance of LTC coverage

More than half of Americans say they need long-term care coverage yet only around 1/3 have coverage. As we age the likelihood of need long-term care services increase. The most recent US Department of Health & Human Services data says around 70% of us will need care at some point. That's a big number! The good news is the Allstate program offers you both life insurance, to protect your family now, and long-term care coverage if you happen to need those services later on.

A- (Excellent) Rated Insurance Carrier

A.M. Best has affirmed the Financial Strength Rating of A- (Excellent).

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