Protecting your loved ones is one of life’s greatest responsibilities. When a family loses someone, in addition to grief, survivors may suddenly be faced with costly expenses and debts and even a loss of income. You may also, at any point in your life, need long-term care services, which could cost hundreds of dollars per day. Many families would have trouble paying for living expenses if they lost their primary earner.

Life Insurance with Long-Term Care benefits combines life insurance with living benefits, which can be utilized for long-term care taking place in home healthcare, adult day care and assisted living facilities. Many people have concerns about protecting their families' future should something happen to them. Adding to these concerns is the likelihood that they will need LTC. Life Insurance with living benefits provides an answer to both of those worries. Buying LTC insurance may be cause for hesitation due to the cost or fear of not utilizing the benefits, but this product does not create a "use it or lose it" situation. Regardless of whether you collect LTC benefits, the beneficiary will receive a death benefit.

You will need to answer health questions during enrollment. As a qualifying new hire, you have 30 days from the date you become benefit eligible to enroll with Guaranteed Issue.

Eligible associates include:

• Active full-time associates aged 18-64 who are scheduled to work 30 or more hours per week, have 30 days to enroll after 30 days of employment.
• Active part-time associates between the ages of 18-64 who are scheduled to work 16 or more hours per week, have 30 days to enroll after 90 days of employment.

*The LTC benefit can be extended for an additional 25 months with Extension of Benefits.

Answers about the plan, including eligibility, options, enrollment, customer service and more.