Voluntary Long-Term Care plus Life Insurance
This page is dedicated to providing you with information on the LTC plus Life Insurance benefit. Open enrollment is currently closed to employees. If you have enrolled and you have additional questions regarding your application or the benefit, you may contact your assigned LTC plus Life Insurance Planning Professional directly or contact ACSIA by phone at (888) 409-3422 or by e-mail at info@yourcare360.com.
To elect LTC plus Life Insurance coverage, you must enroll during an Open Enrollment. Employees who have not enrolled should check this page regularly for updates regarding future open enrollment opportunities and may speak with our LTC plus Life Insurance Planning Professionals in the meantime to learn more about the benefit. Non-insurance caregiving resources are available to all-employees year-round. To learn more about the Yourcare360 caregiving resources available to you now, CLICK HERE.
Long-Term Care (LTC) plus Life Insurance Program Introduction
Check out this quick introductory video to learn more about LTC plus Life Insurance.
No time to call to request a consultation? No problem. Fill out the form below and we'll have a consultant contact you.
Speak to a LTC plus Life Insurance Planning Professional
Features and Benefits
Coverage
Comprehensive coverage you can use for LTC services provided in your home, your community, assisted living facility or nursing home.
Portability
All plans are fully portable. If you are terminated, leave your job or move to another state, you can take your plan with you.
Plan Summary
To learn more, review the Plan Summary by clicking the button below.
Sample Monthly Rates
Refer to the below for sample monthly rates for Long-Term Care plus Life Insurance. If you’re a 35 year old non-smoker, you can get $100,000 in coverage for $69.09 a month. This provides you up to $4,000 a month in long-term care benefits for up to 50 months, plus permanent life insurance. Smoker rates will be higher.
*The life insurance benefit amount is subject to conditions outlined in your certificate. For example, your life insurance benefit amount may reduce as a result of you taking out an approved loan.
| Life Insurance | $75,000 | $100,000 | $150,000 | $200,000 |
| Monthly LTC* | $3,000 | $4,000 | $6,000 | $8,000 |
| Issue Age | Monthly Non-Smoker Rates | |||
| 30 | $44.55 | $58.67 | $86.92 | $115.17 |
| 35 | $52.36 | $69.09 | $102.55 | $136.00 |
| 40 | $69.30 | $91.67 | $136.42 | $181.17 |
| 45 | $83.98 | $111.25 | $165.80 | $220.34 |
| 50 | $114.86 | $152.42 | $227.55 | $302.67 |
| 55 | $143.17 | $190.17 | $284.18 | $378.18 |
* Monthly LTC = 4% of Death Benefit
