Long-Term Care + Life Insurance

Benefit Details

• Select the coverage that’s right for you and your family.
  • Employees under the age of 70 can elect up to $150,000 without answering any health questions during this special open enrollment.
  • Employees over the age of 70 are eligible to enroll but are required to go through a simplified underwriting process.
• Once you enroll, premiums are deducted from your paycheck and your premiums will not increase.
• You can use the value of your death benefit to cover eligible long-term care services for you and your covered spouse (following a 90-day elimination period). You can also draw on your life insurance policy each month capped at 4% to cover your qualifying long-term care expenses.
• If you pass away, your beneficiary files a claim and a lump-sum cash benefit is paid directly to your beneficiary.
• Your death benefit can be passed to beneficiary free from state or federal estate taxes.

If you have questions or wish to enroll, schedule your appointment with a Benefit Counselor here.

You may also enroll by visiting allstate.benefitselect.com. At the Employee Login screen, enter your full Social Security number (SSN) and your Personal Identification Number (PIN). Your PIN is a combination of the last four digits of your SSN and the two-digit year of your birth. Example: If the last four digits of your SSN are 3214 and you were born on September 21, 1968, your PIN would be 321468.

Who You Can Cover

Per-Paycheck Costs

You pay for this benefit through convenient per-payroll deductions, based on who is enrolled (yourself, your spouse), tobacco status and the level of benefit you elect. Rates are available when you enroll through the Allstate Enrollment Center.