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Open enrollment May 3 - May 17, 2024

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Plan Advantages

Partners and employees are eligible to apply for a voluntary life insurance with long-term care (LTC) benefit from Trustmark. Please note this benefit will not replace your existing life insurance - you can be enrolled in both plans. The Trustmark plan helps protect you with a long-term care event. Please review the information below.

2 for 1

One policy with two benefits. Life insurance protection for your family during your work years and LTC protection if you happen to need care. As long as you continue coverage, a benefit (either life insurance or LTC) will be paid.

Guarantee issue

Eligible new partners & employees can enroll with guaranteed acceptance (no health questions) within 30 days after your 30 day waiting period. First time enrollees select up to $200,000 with automatic acceptance (no health questions). Spouses/Domestic partners are eligible to enroll in the program after a shortened application process. All other partners, staff and their spouse/partner may apply anytime with evidence of insurability.

Lock in your rates

The premium will not increase due to age once you’re enrolled, even if your health declines.

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. Newly Eligible partners & staff can select up to $200,000 with GUARANTEED acceptance into the program.

1 Policy with 2 Benefits

LTC benefits

If you happen to need LTC at any point, your policy will pay you 4% of your selected life insurance amount each month you receive LTC. You will have access to 2x 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 $200,000.

LTC benefits are triggered when you cannot perform 2 of 6 activities of daily living (Bathing, Continence, Dressing, Eating, Toileting, and Transferring) or you have a severe cognitive impairment that is expected that last 90 days.

The cost of LTC compared to your assets & expenses

LTC services can be expensive. According to the US Department of Health and Human Services, the average cost of care can range from $48,000 - $100,000 / year depending on the type of care you are receiving and where you are receiving that care. LTC planning should be included in any responsible personal financial plan.

What are four top 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. Retirees are very aware of the areas of financial stress, however, LTC is often overlooked even though it can be a significant cost. The largest potential healthcare expense during retirement may be a LTC event. The Trustmark LTC + Life Insurance program offers LTC 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 LTC coverage yet only around 1/3 have coverage. As we age the likelihood of need LTC 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 Trustmark program offers you both life insurance, to protect your family now, and LTC 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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