LifeTime Benefit Term Insurance is a Permanent Term Life Insurance with LTC through Chubb that provides lifelong protection with flexible premiums. It is one policy with two benefits - life insurance coverage for your family and long term care benefits if you need them.

As Life insurance, this plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

Program Highlights

• Coverage is available for yourself, your spouse, and your child(ren).
• Flexible permanent insurance designed to last a lifetime.
• Benefits for long term care services such as home health or nursing home care - you can access 4% of the selected life benefit per month if you need LTC.
• Death Benefit is guaranteed 100% when it is needed most – during the working years when a family is relying on income. While the policy is in force, the death benefit is guaranteed for the longer of 25 years or through age 70.
• Even after age 70, when income is less relied upon, the death benefit is guaranteed to never be less than 50% of the original death benefit, up to $50,000.
• This is your only opportunity to enroll without answering medical questions.

You pay for this benefit conveniently through payroll deduction.

If you have loved ones who count on you to care for them, you should carry life insurance. But, how much do you need? Speak with a professional benefit counselor to learn more and select the benefits that are best suited for you and your family.

Long Term Care coverage provides peace of mind knowing you won't become a burden to loved ones if you become ill. While it's true that Medicare may cover some long-term care costs, Medicare's coverage can be very limited. Long-term care coverage is the best way to protect yourself, your family, and your financial assets.

• Seniors aged 65 have a nearly 70% chance of needing Long Term Care services in their future¹
• Women (3.7 years) stay in long term care facilities longer than men (2.2 years)¹
• 20% of today's 65 year olds will need long term care for longer than 5 years¹

California average monthly cost of long term care services in 2021¹:

• Home Health Aide: $6,101
• Adult Day Care: $1,842
• Assisted Living Facility: $5,250
• Nursing Home Facility Semi-Private Room: $9,794
• Nursing Home Facility Private room: $12,167

A benefit counselor will be able to help you determine the right amount of coverage for you and your family and can provide you with a personalized quote. 

¹U.S. Department of Health and Human Services (DHHS)’s Administration on Aging (AOA)

The state of Washington implemented the first public long-term care program funded through an additional payroll tax for all working residents. There are 25+ additional states that may follow Washington’s lead in creating a payroll tax for all working residents. For example, a California task force has recommended a payroll tax of up to 2% of your income with a private insurance opt-out. Universal Life Insurance with Long-Term Care may satisfy the state's requirements for tax exemption. This is your only opportunity to enroll without answering medical questions.

Via Phone
A customer service specialist can help you file your claim and answer claims-related questions you may have.
Call: 1-855-241-9891

Via E-mail
E-mail a claims service specialist at claims@gotoservice.chubb.com to start the claim filing process.

Via Paper
After requesting forms be mailed to you, you can file a claim by mailing the completed paperwork to:
Mail: Chubb, Claim Admin Office
One Integrity Parkway
Cleveland, OH 44143-1500
Fax: 1-603-352-1179