How does it work?

CALCULATE YOUR LTCI COST vs. BENEFIT

Planning Assumptions
Initial Monthly Benefit
Guaranteed Issue (no health questions)
LTCI Cost & Benefit Analysis
$109
Monthly
Premium
$109
Total Paid Premiums
11.4x
Insurance Multiplier
$4,000
Monthly
LTC Benefit
$300,000
Max LTC Benefit
Disclaimer :

This sample is intended to help inform and educate and shows example rates and potential benefits for the selected conditions. Please refer to the enrollment system for final rates and underwriting eligibility. This is not an offer of coverage.

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 25 months of LTC coverage for a total of 50 months. This means you can receive up to 2 times your Life Insurance amount for your LTC benefit.

If you buy
$100k
Coverage
and you need long-term care
You receive 6%
$4k/month
Up To
$50k
LTC

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 through the age of 121.

If you buy
$100k
Coverage
and you don't need long-term care
Beneficiaries still receive
$100k
Death Benefit
Employee Webinar

This is an important and unique benefit for you and your family. Join BuddyIns to find out more about this new benefit. Ask questions and discover how to enroll in life with long term care coverage.

  • January 28th, 2026 | 11am - 12pm ET - Register

The BuddyIns team will make a replay available on this page during enrollment.

What's Special About This Plan?

As a benefit eligible member, you have an opportunity to purchase a Long Term Care (LTC) + Life Insurance benefit to help you protect your future. 

  • Long Term Care and Life Insurance coverage in one policy
  • Your premium is based on the age when your policy became effective
  • Guaranteed Issue coverage. Eligible employees cannot be turned down for coverage due to health issues
  • May extend coverage to your spouse
  • Take coverage with you at the same cost should you leave your employer

 

LTC 101: Understand the Long Term Care Challenge

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Impact

63 million people in the United States are providing unpaid care for a loved one.

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COST

The national average cost for an in-home health aide is $6,292 a month.

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Funding

Medicare, health insurance, or disability insurance do not cover LTC expenses.

Why do you need long term care insurance?

Long term care (LTC) may become necessary following a traumatic event, such as an automobile accident, or due to a serious illness or cognitive impairment, such as Alzheimer's disease. In these situations, individuals may require ongoing assistance with ADLs to maintain their quality of life and independence to the greatest extent possible.

How does it work?

Life with a long term care benefit is a two-in-one benefit that offers guaranteed issue life insurance for family needs plus long term care benefits.

As a employee, this offer of a Long Term Care (LTC) + Life Insurance benefit can help you protect your future.

Here are examples of how this coverage can provide a monthly long term care benefit of $4,000/month with these care costs reflecting the national median.

LTCI Chart

Also, don't forget to factor in the future cost of care average increase of 4% or more annually, which is why we encourage those who can afford it to purchase as much coverage as they can comfortably afford.

See Brochure with Schedule of Benefits

Top Benefits

 

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Guaranteed Issue

Easy application with guaranteed approval for life insurance plus long term care coverage.

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Portable Benefit

You're able to take these benefits with you if you leave your employer.

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Affordable

Obtain affordable coverage, secure your future, and help protect your family.

Three Simple Steps to Enroll

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Get Started

Read through the product information, then click the Enroll button.

1
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Apply Online

Apply for coverage through a simple online enrollment platform.

2
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Instant Decision

Guaranteed issue coverage means you can receive an instant decision on your additional voluntary benefit.

3
Enroll

 

Frequently Asked Questions

Can’t find what you are looking for?

Meet with a specialist, 

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Who is eligible for this benefit?

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How does this program cover LTC costs?

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Can you explain in more detail how I might use the policy?

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What is long term care (LTC)?

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Is LTC covered by health or disability insurance?

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Should I consider this if I already have LTC insurance?

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How much does it cost?

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Is coverage available for my spouse?

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Can I increase my Insurance coverage at a later date?

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Can I obtain coverage without providing evidence of good health?

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Are there any limitations on where care is received?

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What will I receive after I enroll?

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What if I have a pre-existing condition?

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How long does this policy last? 

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What if I leave the company or retire? 

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Are my premiums guaranteed or will the costs increase with age? 

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How do I pay my premium? 

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Are my LTC or Life Insurance benefits taxable?

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Why does the application require my SSN, height, and weight?

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Are my LTC benefits taxable?

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Who is BuddyIns?

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What information will I have to provide during the application process?

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Header logo Buddy

BuddyIns is an insurance producer and insurance enrollment education and technology company to bring this opportunity to qualifying employees. The information provided here is an overview of the referenced product and is not intended to be a complete description of all terms, conditions, and exclusions. Not available in all states. Eligibility, available coverage limits, and discounts vary and are subject to carrier underwriting. All trademarks used herein are the property of their respective owners in the United States and abroad.

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