U Mass Chronic Care

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Your Employee Advantages

Good news! U Mass is offering voluntary Chronic Care + Life Insurance benefits from Trustmark.

Acceptance into the program is guaranteed for eligible employees during a special enrollment period. Please review the information below.

2 for 1

One policy with two benefits. Life insurance protection for your family during your work years and chronic care protection if you happen to need care. As long as coverage is active, a benefit will always pay.

Guaranteed Issue

Eligible employees can not be declined for coverage. Select up to $150,000 of life insurance with automatic acceptance (no health questions). Spouses/partners can select up to $25,000 of life insurance with guaranteed acceptance if you also enroll. Click here for detailed eligibility.

Lock in your Rates

Pricing is based on your entry age. The longer you wait to purchase coverage, the more expensive it will be.

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.

1 Policy with 2 Benefits

Chronic Care

If you become chronically ill, your policy will pay you 4% of your selected life insurance amount each month you receive care services. You will have access to twice your life insurance amount to help pay for care services. The death benefit also restores when the care benefit is used.

Example: $100,000 of life insurance would pay $4,000 per month in care benefits with a total care benefit of $200,000.

The cost of Chronic Care compared to your Assets & Expenses

Chronic 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. Care planning should be a included in any responsible personal financial plan.

What are individuals' 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 Trustmark life insurance with chronic care benefits program offers long-term care protection if you happen to need care at any point.

Americans realize the importance of chronic care coverage

More than half of Americans say they need chronic care coverage yet only around 1/3 have coverage. As we age the likelihood of needing care services increases. 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 chronic 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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