The Missing Piece in Your
Employee Benefits Package
7 out of 10 people will eventually require long-term medical care. Give your team access to the critical protection traditional group health plans leave out—whether funded by the company, or offered as a voluntary employee selection.
Retirement & Pension Protection for Your Workforce
Whether you manage a private business looking to keep key talent, or a municipality focused on workforce retention, core benefit plans miss a massive financial threat. High-performing employees and civil servants spend decades accumulating their retirement nest eggs, yet traditional company health structures leave them completely exposed to long-term nursing or home health bills.
Plugging a workplace Life Insurance with Living Long-Term Care plan into your payroll ecosystem allows your workforce to lock in institutional rates and completely safeguard their family savings—whether established as an employer-paid benefit or a voluntary employee election.
The 3-in-1 Payroll Leverage
Living Benefits Acceleration
Advances 4% of the core benefit monthly for professional caregivers, or 2% monthly if care is provided informally by a family member or trusted friend.
The Extension Multiplier
Built-in extension riders seamlessly multiply the total available care pool up to three times the policy's original face value, maintaining coverage across extended multi-year claims.
Flexible Group Designs
Can be deployed as a 100% voluntary employee-paid election, or structured as an employer-funded carve-out designed to blanket specific employee classes or specialized personnel tiers.
Portability & Safety Networks
Employees own the asset completely. The coverage is fully portable at the same locked premium rate if they transition or retire. Cash is sent directly to them to control care on their terms.
How the Protection Activates
Worksite plans use clear triggers so employees understand exactly how and when benefits are paid.
Benefits trigger when a licensed practitioner certifies an employee needs physical help with at least 2 of the 6 standard Activities of Daily Living (ADLs)—such as bathing, eating, or dressing.
Coverage also activates immediately in the event of severe cognitive impairment, such as Alzheimer's disease or complications resulting from a sudden stroke.
To keep group premiums affordable, cash payments begin seamlessly after a standard 90-day elimination period of receiving qualifying care services has been met.
How the Coverage Value Multiplies
Worksite structures leverage your group size to automatically maximize benefits up to 3x the base policy face value.
The 401(k) Nest Egg Drain
Retirement planning that overlooks Long-Term Care leaves employees completely exposed. Professional home care averages $61,776 annually, while nursing facilities exceed $111,325, quickly liquidating decades of personal savings.
Remaining Balance After 28 Months of Care
Calculations based on an age-65 baseline balance starting at $255,151.
Stop Leaving Your Team Exposed.
See if Your Group Qualifies.
Because worksite coverage is based on your group size, we don't use standard individual health questions. To establish your group’s high-limit Guarantee Issue options and design a custom pricing model, we simply need a basic employee census. Our analysis is entirely carrier-agnostic—we find the plan that fits your business model best.