Intel is pleased to offer Long-Term Care (LTC) plus Life Insurance¹ through Trustmark Universal LifeEvents®.
2025 Annual Enrollment: Oct. 14 - Nov. 1, 2024
Long-Term Care plus Life Insurance
View this short video to learn more about Long-Term Care plus Life Insurance¹.
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Features and Benefits
Coverage - Long-Term Care plus Life Insurance offers flexibility to help pay for activities of daily living (ADL) assistance you may receive in many different settings.
- Your Home: Enables the individual to remain in a familiar and comfortable space, while receiving necessary assistance with ADLs from a home health care agency.
- Assisted Living Facility: Offers social activities, companionship, and limited custodial care in a home-like setting.
- Skilled Nursing Facilities: Provides 24-hour nursing services under the supervision of a registered nurse, with skilled, intermediate and custodial care.
- Adult Day Care: Provides adult day care services at an adult day care center.
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.
No Health Questions
Guaranteed Issue up to $200,000 in coverage if you are a new U.S. benefits-eligible employee under the age of 65. Offer does not extend to any individual who previously applied for coverage and was declined, cancelled, withdrew, lapsed, or surrendered coverage.
Sample Long-Term Care plus Life Insurance¹ Certificate
View a sample Long-Term Care plus Life Insurance¹ certificate by clicking the button below. Refer to your individual certificate once enrolled for full coverage details.
Frequently Asked Questions
To learn more, review the Frequently Asked Questions by clicking the button below.
Plan Summary
To learn more, review the Plan Summary by clicking the button below.
LTC Benefit Elimination Period
90 days starting after the insured has been confined or is receiving care from home health care, a skilled nursing facility, assisted living facility or adult day care.
Sample Monthly Rates
Refer to the below for sample monthly rates for Long-Term Care plus Life Insurance1. If you’re a 35 year old non-smoker, you can get $100,000 in coverage for $67.00 a month. This provides you up to $4,000 a month in long-term care benefits for up to 50 months, plus up to* a $100,000 death benefit. Smoker rates will be higher.
*The life insurance benefit amount is subject to conditions outlined in your certificate of insurance. For example, your life insurance benefit amount will reduce at age 70 or as a result of you taking out an approved loan.
| Life Insurance | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 | $300,000 |
| Monthly LTC* | $2,000 | $4,000 | $6,000 | $8,000 | $10,000 | $12,000 |
| Issue Age | Monthly Non-Smoker Rates** | |||||
| 30 | $29.20 | $54.90 | $80.62 | $106.32 | $132.04 | $157.74 |
| 35 | $35.24 | $67.00 | $98.74 | $130.50 | $162.24 | $194.00 |
| 40 | $44.74 | $85.86 | $126.98 | $168.10 | $209.24 | $250.36 |
| 45 | $58.60 | $113.60 | $168.60 | $223.60 | $278.60 | $333.60 |
| 50 | $75.02 | $146.44 | $217.86 | $289.28 | $360.70 | $432.10 |
| 55 | $102.56 | $201.52 | $300.48 | $399.44 | $498.40 | $597.36 |
| 60 | $138.90 | $274.20 | $409.48 | $544.78 | $680.06 | $815.36 |
| 65 | $282.86 | $562.10 | $841.36 | $1,120.06 | $1,399.86 | $1,679.10 |
* Monthly LTC = 4% of Death Benefit
** Spouse and Domestic Partner rates are the same as employee rates. Premiums vary for the Trustmark Long-Term Care insurance offered to Washington employees in 2021. Premiums for those who enrolled in the Washington 2021 plan will continue to be direct billed. Smoker rates will be higher than the rates displayed above.
***Contact ACSIA Partners at (833) 743-1939 or visit the self-enrollment application to explore your rate and coverage options. Access the self-enrollment application here. The link will allow you to start your application for coverage and will lead you to an interactive screen where you can view your specific rates for the coverage amounts you may be interested in. You are not obligated to complete the enrollment once you start your application and can return to complete it at a later time if desired. Your Intel email address is needed to login and your first-time user PIN is ‘Intel’. You will be prompted to set up a new PIN after initial log in.
Sample rates are shown for illustrative purposes only. Rates may vary by age, smoking status, state, employer and features selected by you and/or by your employer. An application for insurance must be completed to obtain coverage.
The Importance of Planning
Disclosure
¹Trustmark® is a registered trademark of Trustmark Insurance Company. “Long-Term Care plus Life Insurance” is Trustmark's Universal Life Insurance plan with a Long-Term Care rider. The long-term care rider allows for benefits to be paid due to long-term care services received, on top of the basic life insurance product. When an insured is eligible for long-term care benefits, Trustmark's long-term care rider pays a monthly benefit equal to 4% of the life insurance face amount. It begins to pay after 90 days of confinement or services, and to qualify you must meet conditions of eligibility for benefits. For exclusions and limitations that may apply visit www.trustmarkbenefits.com/voluntary-benefits/disclosures/ul. This product is underwritten by Trustmark Insurance Company. Underwriting conditions may vary and determine eligibility for the offer of Trustmark insurance. Certificates of Insurance are personalized for each policyholder and will contain complete information. Your Certificate of Insurance will be mailed to you within 10 days of Trustmark approving your application for coverage or will be available within Trustmark's policy owner portal within 1-3 business days of Trustmark approving your application for coverage if you have opted into electronic communications. You can contact Trustmark’s Customer Care number at 800-918-8877 and request a copy of your Certificate of Insurance. A sample Certificate of Insurance can be found above.