2026 Open Enrollment Benefits Decision Guide
Group Universal Life Insurance with Long-Term Care Group Universal Life provides you and your family a voluntary permanent life insurance solution, as well as cash you can use during your lifetime. The plans, offered through Trustmark , are available for employees and spouses. Here are some highlights of this coverage:
Group Universal Life Insurance with Long-Term Care
• $25,000 • $50,000 • $75,000 • $100,000 During Open Enrollment, you can enroll in the following coverage amounts without providing proof of good health: • Employee: $100,000 • Spouse: $25,000 • Child: Not available • Provides a higher death benefit during your working years. • Benefit reduces to one-third at age 70 or the beginning of the 15th policy year, whichever is later. • You can collect 4% of your death benefit per month for up to 25 months to help pay for LTC services. • LTC benefits stay the same throughout your life. • If you collect a benefit for LTC, your full death benefit is still available for your beneficiaries, as much as doubling you benefit • Use part of your death benefit to help manage costs if you’re diagnosed with a terminal illness • Rates vary based on your age at purchase and tobacco status • Once you purchase coverage, your rate is locked in. Your rate won’t increase during the life of your policy due to age
Coverage Amounts
Life Insurance Benefit
Long Term Care Benefit (LTC)
Terminal Illness Benefit
Cost for Coverage
Evidence of Insurability Additional life insurance coverage over a certain limit may require approval from the insurance company. You will be notified if this applies to you.
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