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Your Long Term Care Rates + Plan
Crosspoint, Inc. has partnered with LTC Solutions, Inc., an expert in the long-term care insurance marketplace, and The Standard, a well-established carrier in the industry. Together, we bring you the opportunity to purchase a valuable long-term care insurance plan.
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Calculate Your Semi-Monthly Rates
Benefit eligible employees hired after 11/1/2025 are eligible for the employer-paid plan through The Standard.
Employees hired prior to 11/1/2025 have employer-paid coverage through Unum and may purchase voluntary
coverage under The Standard at your own cost.
|
Benefit
|
Employer-Paid Plan
|
Option 1
|
Option 2
|
|---|---|---|---|
|
Life Insurance Benefit
|
$10,000
|
$50,000
|
$100,000
|
|
LTC Insurance Benefit
|
$20,000
|
$100,000
|
$200,000
|
|
|
Select age
|
Select age
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
Select age
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
Select age
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
Select age
|
Select age
|
|
Benefit
|
Employer-Paid Plan
|
|---|---|
|
Life Insurance Benefit
|
$10,000
|
|
LTC Insurance Benefit
|
$20,000
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
|
Benefit
|
Option 1
|
|---|---|
|
Life Insurance Benefit
|
$50,000
|
|
LTC Insurance Benefit
|
$100,000
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
|
Benefit
|
Option 2
|
|---|---|
|
Life Insurance Benefit
|
$100,000
|
|
LTC Insurance Benefit
|
$200,000
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
Plans are available from $10,000 to $250,000. Click here to login to the enrollment system.
Plan and age limitations apply.
*In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.
Plan At a Glance
Explore Your Plan Brochure
Sample Outline of Coverage
View Sample Welcome Letter
Learn More About Your Plans Carrier
Compare Former Unum Plan to The Standard
Have Questions? Explore our FAQs
View the Full FAQ →You could need Long-Term Care (LTC) because of an accident, illness, cognitive impairment or simply due to aging.
This plan is designed to help you and your family plan for the high cost of Long-Term care and combines the benefit of life insurance. You WILL receive a benefit, either for LTC, Life Insurance, or both.
Choose a life insurance benefit and you will receive a monthly LTC Benefit of 6% of the life insurance benefit in the event you are approved for an LTC claim.
No – the plan’s benefit does not decrease.
The Standard will not pay benefits under the LTC rider for a period of care that begins in the 6 months after the rider date if a pre-existing condition causes the insured to be chronically ill. A period of care that begins more than 6 months after the rider date is caused by a pre-existing condition will be covered.
Your beneficiary will receive the death benefit upon your death.
We're Here to Help
Licensed long term care specialists are available to assist you in understanding the plan and rates.
Call (877) 286-2852
LTCiBenefitsTeam@ltc-solutions.com
Schedule A Consultation
Apply Now
Take advantage of this benefit and safeguard your future tomorrow.