Your Long Term Care Rates + Plan

You could need Long-Term Care (LTC) because of an accident, illness, cognitive impairment or simply due to aging.  

This plan is designed to help you and your family plan for the high cost of Long-Term care and combines the benefit of life insurance. You WILL receive a benefit, either for LTC, Life Insurance, or both. 

Choose a life insurance benefit and you will receive a monthly LTC Benefit of 6% of the life insurance benefit in the event you are approved for an LTC claim.   

No – the plan’s benefit does not decrease. 

The Standard will not pay benefits under the LTC rider for a period of care that begins in the 6 months after the rider date if a pre-existing condition causes the insured to be chronically ill. A period of care that begins more than 6 months after the rider date is caused by a pre-existing condition will be covered. 

Your beneficiary will receive the death benefit upon your death.