Life + Long-Term Care

Benefit Overview

The Employee Life + Long-Term Care Insurance program combines life insurance protection with the ability to use benefits for long-term care expenses. This plan helps employees protect their families from the financial impact of chronic illness, extended care needs, or death — providing flexibility, guaranteed acceptance for eligible new hires, and employer-sponsored premium support.

Available to Eaton RESA employees hired on or after April 1, 2024. Enrollment includes guaranteed acceptance — no health questions or medical exams required during this limited-time offer.

Key Details

Eaton RESA sponsors part of the cost of long-term care coverage for all eligible employees, helping ensure financial protection for the future while providing flexible options to enhance your benefit over time.

Feature	Details
Eligibility	Employees hired on or after April 1, 2024, between ages 18–75
Guaranteed Acceptance	No medical exams or health questions required for eligible new hires during the enrollment period
Employer Contribution	Premium sponsored by Eaton RESA up to $500 annually (ages 18–64) or $676 annually (ages 65–75)
EZ Value Option	Automatically increases your benefit amount each year for an additional $1/week premium, with no medical underwriting required
Portability	Coverage may continue after employment ends if premiums are maintained

For more information, please refer to the Documents section below.

How It Works

The plan combines permanent life insurance with long-term care coverage, allowing you to use your benefits in multiple ways. You can access your policy’s value to pay for qualifying long-term care services — such as home care, assisted living, or nursing home care — while still maintaining a life insurance benefit for your beneficiaries.

Benefit Growth

With Trustmark’s EZ Value feature, your benefits can grow automatically each year without medical underwriting:

Your rate increases by $1/week annually for a set number of years.
Your coverage amount increases each year to reflect the added premium.
Applies to all benefits tied to your coverage, including long-term care protection.
You can opt out of increases at any time, and you’ll be notified before each annual change.

Who This Benefit Is For

This plan is ideal for employees who want to secure life insurance while also protecting against the potential high costs of long-term care. It’s especially valuable for those planning ahead for retirement or protecting family income and savings from extended care needs.

Documents