M Physicians continuously strives to build a culture of health for our employees. Our goal is to provide employees with a variety of quality benefits programs. M Physicians is offering benefit eligible employees another opportunity to enroll for a unique combined protection of Universal Life with Long Term Care insurance through Trustmark.
- The Permanent Life Insurance coverage (death benefit) will pay your elected policy value to your beneficiaries. This benefit will not decrease even if you collect LTC benefits.
- You can receive up to 2x your Permanent Life Insurance individual policy value: This Policy will pay the full Permanent Life benefit (death benefit) even if all 25 months of Long-Term Care (living benefit) are used.
- The Long-Term Care rider (living benefit) provides up to 25 months of benefits payable for professional long-term care (LTC) services (for example, home health care, nursing home or assisted living).
- The Long-Term Care rider provides monthly payments of up to 4% of their elected Permanent Life Insurance policy for up to 25 months.