Bright Horizons is proud to offer voluntary Long Term Care with Life Insurance.
Guaranteed Issue, meaning no health questions, is available to actively-at-work employees ages 18-70 and working at least 20 hours per week and their spouses when they enroll during the special enrollment period February 3 - February 14, 2025. Future enrollments may require you and your spouse or domestic partner to complete evidence of insurability and coverage may not be guaranteed. Eligible employees and spouses age 71-80 may enroll for the Life Insurance component only with medical underwriting before coverage is issued.
This coverage requires assistance from a licensed agent to enroll. Those interested in enrolling in coverage should speak with a long-term care consultant at ACSIA Partners by filling out the request form on this page. There will not be an option to enroll in this coverage via Workday. You will be connected to a long-term care consultant who can answer your questions, provide quotes for insurance or set up an individual or family consultation.
Speak to a Consultant
View an Educational Webinar
Click below to view a recording of the Bright Horizons Long-Term Care + Life Insurance educational webinar. LTC coverage ensures you have a way to pay for the high costs of long-term care services.
Long Term Care Program Introduction
2 Minute introductory video on this time sensitive benefit
Advantages of the Special Enrollment
Coverage
Comprehensive coverage in your home, your community, assisted living facility or nursing home.
Portability
All plans are fully portable. If you are terminated, leave your job or move to another state, you can take your plan with you.
Tax Incentives
Tax-qualified, tax-free Federal benefits and State tax incentives (varies by State).
No Gender-Based Pricing
No gender-based pricing which means applicants do not pay higher premiums based on their gender.
Guaranteed Issue Underwriting
Employees must be 18-70 years old, work 20+ hours/week and apply during the special enrollment February 3- February 14, 2025 to be eligible to apply with Guaranteed Issue underwriting up to $150k in coverage. Their working spouses may apply with Guaranteed Issue underwriting up to 75k and non-working spouses up to $10k. Employees ages 71-80 may enroll in the Life Insurance component only and medical underwriting will be required before coverage is issued.
