Build Your Benefit

What's Special About This Offer

Guaranteed Issue

Purchase coverage with guaranteed approval. Eligible members cannot be turned down during this enrollment period.

Portable Benefit

Take the coverage with you if you move to another state or leave the association.

Spousal Coverage

Extend your coverage options to include your spouse, ensuring they are protected.

Affordable Rates

Affordable rates with guaranteed level life insurance premium - a great value!

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The amounts listed below are illustrative.

CALCULATE YOUR LTCI COST vs. BENEFIT

Please refer to the enrollment system for final rates. In some rare instances, the example rates can vary from final due to system update timing issue.

Eligible members who are actively at work will be able to select up to $150,000 in life insurance Face Amount (Death Benefit) for the Chubb LifeTime Benefit Term with long term care. This amount can be used for Life Insurance if you pass away. If you need long term care, the Death Benefit can be accelerated at 4% of the Face Amount per month for up to $450,000 in long term care benefits insurance over 75 months, and without medical underwriting. Spouses may qualify for up to 50% of the member amount with 2 health questions.

See Brochure with Schedule of Benefits

How does it work?

1. Access Long Term Care and Life Insurance Benefits

Receive 4% per month as a reduction of your initial Life Insurance coverage over 25 months. Then get an additional 4% per month for another 50 months of LTC coverage for a total of 75 months. This means you can receive up to 3 times your Life Insurance amount for your LTC benefit.

2. Make The Most of Your Life Insurance

Don’t need long term care during your lifetime? The death benefit is still available to your beneficiaries. While the policy is in force, the death benefit is guaranteed for the longer of 25 years or through age 70.