Whole Life Insurance with Long-Term Care

Whole Life Insurance
w/ Long-Term Care Rider

Provided by MetLife

Whole Life Insurance w/LTC

Protect your loved ones for your entire life, not just while you’re working. 

Whole Life Insurance is permanent coverage you own; as long as the premiums are paid it can never be canceled, even if your health changes.

The cost of care can be significant over any length of time.  Whole Life insurance combined with an accelerated long-term care rider lets you tap into your life insurance coverage in a time of need.

The long-term care rider takes effect when the Insured loses two Activities of Daily Living.  The funds can be used as needed to cover expenses for care received at home, in assisted living, or in a long-term care facility. Any remaining death benefit is payable to the insured’s beneficiaries.

Coverage Overview

Coverage for ages – 17 to 70

  • $10,000 – $100,000 : Guaranteed Issue for Initial Enrollment (No Guaranteed Issue for Open Enrollment)
  • $105,000 – $5,000,000 : Subject to Medical Evidence of Insurability

Additional features may help provide you with even more protection:

  • Accelerated Death Benefit for Terminal Illness Rider. Automatically included in all policies at no additional cost. The Accelerated Death Benefit due to Terminal Illness Rider pays up to 80% of the death benefit amount (with any balance payable upon final claim). Conditions and restrictions may apply. Any outstanding loans will reduce the cash value and death benefit.
  • Accelerated Death Benefit for Long-Term Care Rider helps cover costs associated with a chronic illness, which can be expensive and are not typically covered by medical plans. You may elect to claim an accelerated death benefit if you become permanently or temporarily chronically ill, meaning you are severely cognitively impaired (such as Alzheimer’s) or cannot perform two of six Activities of Daily Living, such as bathing, continence, or dressing, without assistance. You must also be receiving qualified long-term care services. This benefit can be used as you see fit while you are still living, reducing the benefit payable at death. Pays 5% per month (up to a maximum of 80% of your Life Insurance proceeds (with any balance payable upon final claim). Available on employee certificate only. Any outstanding loans will reduce the cash value and death benefit. This rider may not be available in all states.

Talk to a MetLife Life Insurance Specialist

An insurance specialist can help you enroll, quote and answer questions!

Mon – Fri, 6 am – 6 pm PT

When you call in please identify as a member of ADVANSTAFF HR

How To Enroll

We offer two ways to enroll:

No questions? Know which benefits you want? Want to waive all benefits? Easy computer access?

Online enrollment may be right for you!

You will need the following information to enroll online using the enrollment portal:

  1. Employee ID – your Social Security Number (no dashes or spaces)
  2. Initial PIN/password – the last four numbers of your social security number plus the last two numbers of your birth year

Have questions?

Need help deciding?

Limited computer access?

An insurance specialist can help! Call 1-877-277-7476 Mon – Fri, 6 am – 6 pm PT to speak directly with a specialist.

Frequently Asked Questions (FAQs)

Q. Will I have to fill out a health questionnaire?
A. Not necessarily. Coverage levels up to $100,000 is offered for the new hire enrollment period only. You will not have to fill out a health questionnaire to qualify. Coverage levels over $100,000 or at Open Enrollment require medical underwriting.

Q. How do I pay the premium?
A. Premiums are conveniently deducted right from your paycheck.

Q. When can I enroll?
A. Outside of your new hire enrollment, Open Enrollment is held in July

Q. What do I need to enroll?
A. You will use your SSN to login to the enrollment site. You will also need the SSN and date of birth of any dependents you add to the coverage.

Program Details