You have the option to choose a life insurance amount ranging from $10,000 up to $300,000. Unlike term life insurance, this policy provides guaranteed coverage as long as you continue paying your premiums.

The Long-Term Care benefit is based on your elected life insurance amount and pays 4% of your policy value each mont for up to 25 months. For example, if you elect $150,000 in life insurance, your LTC benefit would pay $6,000 per month.

The life insurance death benefit is reduced to one-third of its original value at age 70 or after you've owned the policy for 15 years (whichever is later). However, your monthly LTC benefit never decreases and will always be based on your original life insurance policy amount.

• Newly eligible employees can enroll in up to $150,000 within 31 days of the eligibility date without answering any health questions. You can increase coverage to $200,000 by answering two health questions. Coverage over $200,000 requires 7 health questions. To learn more or activate your policy, visit the Life Insurance with Long-Term Care enrollment site.
• You can enroll in this coverage at any time. If you enroll outside of Open Enrollment or more than 31 days from your newly eligible date, you'll be asked a few health questions. The same applies if you choose to increase your coverage. Please contact Trustmark directly at 847-615-1500 or email customercare@trustmarkbenefits.com.