Universal Life Insurance with Convalescent Care Benefit

Trustmark Life InsuranceThe NYSUT Member Benefits Trust-endorsed Universal Life/LifeEvents® Insurance program with Convalescent Care Benefit (plus YourCare360® Care Planning Services) offers added financial protection for NYSUT members and/or their spouses/certified domestic partners along with access to long-term care resources.

This new program from Trustmark combines:
• Convalescent care benefits that can be used to help pay for long-term care services at any age.
• A life insurance benefit to help secure your family’s financial future.
• Caregiving tools provided by YourCare360® that offer guidance to manage your and/or your spouse's/certified domestic partner’s long-term care needs.

You could require long-term care services at any point in your life, which could cost hundreds of dollars per day. This universal life insurance program includes a convalescent care benefit that can help pay for these services at any age. Policyholders can collect 4% of their universal life death benefit per month for up to 25 months -- helping to cover the cost of long-term care services such as an in-home health aid, assisted living facility, or nursing home care.

Protecting your loved ones is one of life’s greatest responsibilities. Along with the grief that comes with losing a family member, survivors may suddenly be faced with costly expenses, debts, and a loss of income. Your death benefit can be used to help pay these expenses or for other items such as tuition or savings.

This program includes access to
YourCare360, providing an online resource that can help guide you and your family through the caregiving journey.

NYSUT in-service members up to age 70 can enroll for up to $300,000 of life insurance with a Convalescent Care benefit by answering some medical questions. In-service members can also purchase coverage for their qualifying spouse/certified domestic partner along with their children and grandchildren.

For one year after their retirement date, retiree members up to age 70 may elect coverage up to $100,000 by answering some medical questions.

Easy Ways to Learn More:
1. Visit trustmarkbenefits.com/nysut for complete details.

2. NYSUT Members: Call toll-free 888-595-1375 (UFT & PSC-CUNY Members: Call toll-free 833-441-2760).

NYSUT Associate Members and NYSUT Student Members are not eligible to participate in this program.

The Trustmark Universal Life with Convalescent Care Benefit Insurance Program + YourCare360® Care Planning Services is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 6.5% of premium received for the first 12 months and 0.2% of renewal premium, with a guaranteed annual minimum amount of $100,000 for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.

Trustmark® and LifeEvents® are registered trademarks of Trustmark Insurance Company. Underwriting conditions may vary and determine eligibility for the offer of insurance. Benefits, definitions, exclusions and limitations, naming conventions, and availability may vary by state. The Convalescent Care/Long-Term Care Benefit is an acceleration of the death benefit and is not Long-Term Care Insurance (except in FL, LA, and VA, where the LTC benefit is Long-Term Care Insurance). It begins to pay after 90 days of confinement or services, and to qualify you must meet conditions of eligibility for benefits. Pre-existing condition limitations may apply. Your policy will contain complete details. You should consult a financial advisor to determine if the convalescent care/long-term care benefits and the retirement benefits provided by this policy are right for you. Universal life insurance underwritten by Trustmark Insurance Company, Lake Forest, IL. In New York, universal life insurance underwritten by Trustmark Life Insurance Company of New York, Albany, NY. YourCare360® is not a Trustmark Insurance Company program, but is created and managed by ACSIA Partners, LLC. Additional details, terms, and conditions regarding the YourCare360® program can be provided by ACSIA Partners.