Long-Term Care + Life Insurance

• Select the coverage that’s right for you and your family.
  • Employees under the age of 70 can elect up to $150,000 without answering any health questions during this special open enrollment.
  • Employees over the age of 70 are eligible to enroll but are required to go through a simplified underwriting process.
• Once you enroll, premiums are deducted from your paycheck and your premiums will not increase.
• You can use the value of your death benefit to cover eligible long-term care services for you and your covered spouse (following a 90-day elimination period). You can also draw on your life insurance policy each month capped at 6% to cover your qualifying long-term care expenses.
• If you pass away, your beneficiary files a claim and a lump-sum cash benefit is paid directly to your beneficiary.
• Your death benefit can be passed to beneficiary free from state or federal estate taxes.

If you have questions or wish to enroll, call the Allstate Enrollment Center at 1-877-215-0863 8 a.m. – 8 p.m. EST, Monday through Friday, or enroll here. For details, see the Long-Term Care + Life Insurance brochure >.

You pay for this benefit through convenient per-payroll deductions, based on who is enrolled (yourself, your spouse), tobacco status and the level of benefit you elect. Rates are available when you enroll through the Allstate Enrollment Center.