The NEW Trustmark Long-term Care with Life Insurance plan offers two benefits.
You can't be turned down for health reasons, but you must enroll by October 23rd, 2026.
Get a personalized quote or enroll
These login credentials are found in a yellow box in the emails you received.
You’ll need your employee ID to get a personalized quote or enroll.
Your login username is:
Your Stifel Employee ID
PIN: The last 4 digits of your Employee ID + your 4-digit birth year (8 digits total)
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Talk with someone about how long-term care planning can help you prepare for the curveballs life throws your way.
Hold my spot at an online meetingBeing Tomorrow Ready means:
Maintaining your dignity and independence
Using your savings for living, not paying for care
Protecting loved ones from the stress of caregiving
LTC supports everyday living
LTC includes: moving in and out of bed safely, getting dressed, continence, bathing or showering, eating, using the restroom, and severe cognitive impairments.
It's needed when you can't manage on your own
This kind of care is needed when illness, injury, or a health change makes everyday activities harder, whether temporarily (but for at least 90 days) or for the rest of one's life.
LTC can happen at home or elsewhere
LTC doesn't look the same for everyone. It can be provided at home, in assisted living facilities, or in nursing homes.
Needing LTC is more
common than you think
Many people assume needing LTC is unlikely—or something to think about much later. In reality, more than 56% of Americans over age 65 will need some LTC support.
Most insurance doesn't
cover it
Health insurance and Medicare² are limited when it comes to long-term care. Ongoing help with daily living is typically not covered, leaving many people unprepared for the cost.
Without a plan, family often
steps in
When coverage isn't in place, loved ones frequently fill the gaps—providing care, coordinating services, and helping financially, often during already stressful moments.
56% of Americans over 65 will need some kind of long‑term care during their lifetime.*
Having a plan can make difficult situations easier. It helps protect your independence, reduce pressure on family, and give you more control over how care is handled if it’s ever needed.
Source: Department of Health and Human Services, Long‑Term Services and Supports for Older Americans: Risk and Financing, 2022.
Long-term care isn’t just for older people. LTC may be required due to a prolonged illness or accident.
Long-term care isn’t always a much-later-life issue. Being Tomorrow Ready before it feels urgent keeps your options open and comes with fewer tradeoffs.
Eligible Stifel associates 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.
Life is unpredictable. This plan gives you the flexibility to adapt to whatever comes your way, whether it’s a health challenge, career change, or family need.
Your coverage is portable. If you change jobs or retire, you can take your policy with you, ensuring continuous protection no matter where life takes you.
Long-term care pricing is based on age. Enrolling earlier means lower premiums—and employer-offered coverage like this may be more cost-effective than comparable policies purchased independently.
Get a quoteYour long-term care benefit is determined by the amount of life insurance coverage you select. That choice sets your monthly and total long-term care benefit—but you don’t have to decide now how you’ll use it.
Explore all your plan options on the enrollment site
If you elect your own associate coverage, your spouse can apply for coverage—making it easier to plan together.
Share with your loved oneThe average cost for a home health aide is $80,080, a semiprivate room in a nursing home is $114,975*.
Long‑term care is typically not covered by
health insurance or Medicare². Without a plan,
the cost of care is usually paid out of pocket—
and those costs can add up quickly, especially
when care is needed over time.
I thought I was too young to consider this benefit.
I know what being a caregiver looks like now.
Our parents are relying on us more.
I want a say about my future and finances.
Long-term care wasn’t on my radar.
Long-term care wasn’t top of mind for me at all. I was focused on paying down student loans, covering everyday expenses, and saving what I could for travel and time with friends.
What changed everything was learning that long-term care premiums are based on age. Starting earlier meant lower costs — and more flexibility later.
Honestly, it felt like a smart move that lets me keep living my life now and protect my future.
I know what being a caregiver looks like now.
I’m juggling a lot — raising a family, paying a mortgage, and trying to save for retirement. Planning for long-term care felt like just one more thing on the list.
But something clicked when I realized that the everyday activities long-term care covers are the same things I help my kids with every day. Feeding. Bathing. Getting dressed.
I don’t want my children to be responsible for that someday. And waiting to plan literally comes at a cost, since premiums are based on age.
Our parents are relying on us more.
We thought we were busy before — raising a family, managing a mortgage, saving for retirement. Now we’re also helping our aging parents navigate care decisions.
Recently it hit us, we’re not getting any younger either. Waiting to plan for our own long-term care would mean higher premiums and fewer options.
Having coverage in place gave us peace of mind — and one less thing to worry about as we look ahead.
I want a say about my future and finances.
At this stage of life, my priorities are clear: protecting my retirement savings and maintaining my independence.
Planning for long-term care helps me stay in control of both — while reducing the financial and emotional burden on the people I love.
I didn’t hesitate to enroll when I had the opportunity. I knew guaranteed acceptance like this doesn’t come around often.
Short answer? No.
Health and disability insurance do not cover LTC services. Medicare covers up to 100 days of care after a 3-day stay in the hospital, which typically isn’t enough. The average LTC claim is 2.5 years.
We have answers
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