LTC Insurance FAQs

You could need Long-Term Care (LTC) because of an accident, illness, cognitive impairment or simply due to aging. 

This plan is designed to help you and your family plan for the high cost of Long-Term care and combines the benefit of life insurance. You WILL receive a benefit, either for LTC, Life Insurance, or both

Choose a life insurance benefit and you will receive a monthly LTC Benefit of 4% of the life insurance benefit in the event you are approved for an LTC claim. 

The death benefit will decrease to 1/3 of the original face value at age 70 or after 15 years, whichever is greater. Your LTC benefit does not reduce. 

No, once you use the death benefit for LTC you do not receive a LTC benefit. If you use a portion of your death benefit for LTC then you will receive the remaining portion of your death benefit. 

Your beneficiary will receive the death benefit upon your death.

Premiums are based on the age at which you apply for coverage. They do not increase each year as you get older. Insurance companies do reserve the right to increase rates.

You pay premiums until age 100 and you must use the LTC benefit or death benefit by your 121st birthday. If you don’t use it by your 121st birthday, then your plan benefits expire.

If you have some cash build up in your policy, then you can use that to continue to pay your premiums. Once that is exhausted your policy lapses and you have no plan benefit. If you don’t have cash build up and stop paying premiums, then your plan benefit lapses, and you have no plan benefit. 

When you need assistance and are certified by a physician as needing assistance with 2 out of 6 
Activities of Daily Living (ADL’s) or you are diagnosed with cognitive impairment after the first 90 days. The ADL’s are bathing, eating, transferring, toileting, continence and dressing. 

You must download and print the ‘Enrollment Verification’ after signing.

Yes, the Trustmark policy is portable by paying your premiums directly to Trustmark. As long as you continue to pay your premiums, your coverage will remain in force. The rate does not change when you leave employment.

Trustmark has been in business since 1889
Learn more about Trustmark by visiting Trustmark Benefits (Home) 

No.

No.

Post-tax.

Trustmark will mail your policy documents.

You will receive your policy documents within 4-6 weeks from end of enrollment. 

Password reset – click on ‘Forgot Password’ 
Enter your email address and complete the ‘Verification Code’ 
Your password reset will be emailed to you

Modified Guarantee Issue
1. Is any person to be insured now disabled, been seen by a physician or treated in a medical facility, including a doctor’s office, within the last six months for illness or disease (other than flu, colds)?
2. Has any person to be insured been treated for, or diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or tested positive on an AIDS or HIV test?

Simplified Issue 
1. Is any person to be insured now disabled, been seen by a physician or treated in a medical facility, including a doctor’s office, within the last six months for illness or disease (other than flu, colds)?
2. Has any person to be insured been treated for, or diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or tested positive on an AIDS or HIV test?
3. Details of any major health impairments (within the last five years)
4. Any history of drug or alcohol treatment
5. Specify the reason for seeing a medical practitioner in the past 12 months (other than for a routine physical) 

Disclaimer: The underwriting questions within this proposal are for illustrative purposes only. The number of underwriting questions and the 
questions themselves can vary depending upon the state-specific application.