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Whole Life with Long-Term Care

Whole Life brochure cover

Whole Life Brochure

Learn how Whole Life Insurance with Long-Term Care works: benefit explanation, premiums, how to file a claim and how to enroll. Eligible members can enroll without qualifying health questions (within limits), and coverage is available for eligible spouses and dependent children. The long-term care rider is available to retirees and eligible spouses under age 71. Retirees and spouses ages 71 to 80 may enroll in Whole Life Insurance only.

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Whole Life Policyholder Information

Underwritten by The Standard

Account and resources

Claim forms

Service forms

Change of address

Both steps are needed so your plan mail reaches you.

  1. Update your address in ORBIT (opens in a new tab)
  2. Call 855-627-3847 or use our chat feature.

Whole Life Insurance with Long-Term Care pays a benefit to your loved ones when you die, and lets you use that same benefit while you are living if you need long-term care.

Key Plan Features

  • No medical questions to answer at initial enrollment for retiree, spouse and child(ren)
  • Coverage is yours to keep — premiums do not increase with age
  • Long-Term Care benefit can be used for nursing home, assisted living or home health care
  • Accelerated Death Benefit available if you are diagnosed with a terminal illness
  • Benefits are paid directly to you, to use however you choose
  • The Accelerated Death Benefit for Long Term Care Rider is available to retirees and spouses under the age of 71.