---
title: Chubb How it works
---

## ** How to build your policy**

## **Easy as 1 - 2 - 3**

## **[Back to main page](https://www.getltci.com/synopsys?hsLang=en)**

 

**Step #1:    Select a Life Insurance amount**

Eligible employees select up to $150,000

 

**Step #2: **   **Calculating your monthly Long-Term Care (LTC) benefit**

You get 4% of the selected Life Insurance amount as your monthly LTC benefit

Example:

![Screen Shot 2021-07-06 at 8.07.59 AM](https://www.getltci.com/hs-fs/hubfs/Screen%20Shot%202021-07-06%20at%208.07.59%20AM.png?width=583&name=Screen%20Shot%202021-07-06%20at%208.07.59%20AM.png)

 

Step #3:** **    **Calculating your total Long-Term Care (LTC) benefit**

You get 3x the selected Life Insurance amount as your total LTC benefit

Example:

![](https://www.getltci.com/hs-fs/hubfs/belch.io/template-assets/001.png?width=585&height=117&name=001.png)

 

## **How to use your policy**

## **3 Scenarios**

 

As long as coverage is active, a benefit will always pay. You don’t have to make any decisions on how you use your benefits until you actually need them.

Here is an example how the Chubb program provides for you and your family:

   ![](https://www.getltci.com/hs-fs/hubfs/belch.io/template-assets/Screen%20Shot%202019-07-17%20at%201.32.33%20PM.png?width=692&height=512&name=Screen%20Shot%202019-07-17%20at%201.32.33%20PM.png)

 

**      **

**[Back to main page](https://www.getltci.com/synopsys?hsLang=en)**