Adobe is offering a new voluntary benefit through Trustmark: a long-term care plan with a whole life policy. As more states are reviewing proposed long-term care insurance taxes, it’s important that you know your options and have a plan in place in case your state allows you to opt out of the tax by purchasing individual long-term care coverage. We are pleased to offer you the opportunity to purchase long-term care plus life insurance coverage as part of your financial and tax planning.

LTC includes the services people need when they’re unable to care for themselves and require non-medical personal services, including home health care, nursing home care, or skilled facility care. LTC provides assistance with basic tasks like personal hygiene, dressing, transferring to or from a bed/chair, feeding yourself, and walking.

Offered through Trustmark, the LTC plus life insurance plan is available to eligible, actively-at-work U.S. employees ages 18–70 who work at least 24 hours per week. Some additional features of the plan include:

• Comprehensive coverage: LTC coverage for care in your home, community, assisted living, or nursing home, in addition to a whole life policy payable to your beneficiary at face value.
• Portability: With an individual policy, you can take it with you when you change jobs or retire.
• Level premium: Premium is based on age at the time the policy is issued.
• Guaranteed issue: Available only when you are first offered the benefit. After your initial offer, you can still enroll in coverage with medical underwriting.

There is an annual opportunity to enroll in the Long-term care plus Life program. New employees will have the guaranteed issue advantage, while employees who have been at Adobe since August 2024 will be subject to medical underwriting.

For more information, read the Trustmark Long-Term Care brochure [PDF]. You can also view the on-demand webinar by visiting ACSIA Partners.