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Advocate Health is pleased to offer teammates access to Aflac Long-Term Care + Permanent Life Insurance — affordable, portable group term life insurance enrollment you can complete in minutes.
Advocate Health has always had a mission around providing wholistic care. That’s why Advocate’s Human Resources team has partnered with Aflac to offer an innovative new long-term care + permanent life insurance product to our teammates. Aflac’s Long-Term Care + Permanent Life Insurance is built to combine the affordability of a term life policy with the flexibility of a permanent life policy and includes the ability to utilize up to 300% of your policy amount in long term care benefits.
What is unique about Aflac new policy is that there is no professional care mandate to qualify for long-term care benefits. Meaning policyholders can choose to receive care wherever and from whomever they choose. Additionally, it is the only policy in the industry that provides inflation protection. Increasing long-term care benefit payouts as the costs of care rise over time. Ensuring that a policy you buy today holds value in the future.
This new addition to your benefits plan offers a wholistic approach to preparing for your family. Allowing you choose a life policy adapts to your needs and remains secure in its financial protection. The need for financial protection doesn't change based on your role or your paycheck. The question is simply whether your family is covered if something happens to you.
With an average tenure of 5.6 years across the system, coverage that's portable and rate-locked means you're protected no matter where your career takes you next. Enroll today and your rate never increases — ever.
Simple, flexible coverage designed for Advocate Health teammates
Group rates only available through your employer — far below what you'd pay on the open market. Coverage tiers scale from $18.85/hour support staff to six-figure medical professionals.
No medical exam. No lengthy questionnaire up to guaranteed issue limits. Log in, choose your coverage amount, and you're done — all in a single session from any device.
Your rate is set at enrollment and never goes up. If you leave Advocate Health, you can convert or port your policy — your coverage doesn't have to end when your job does.
Enrolling in Aflac Long-Term Care + Permanent Life Insurance takes minutes, not days. No phone calls, no paperwork, no waiting.
Enter your Employee ID and date of birth above to securely access your personalized enrollment portal.
Review the available coverage amounts for you and your spouse. See your exact monthly premium before you commit to anything.
Confirm your selections and complete checkout. Your coverage begins and your premium is collected monthly on the 20th.
Aflac Long-Term Care + Permanent Life Insurance includes an accelerated benefit rider for long-term care at no additional cost — meaning you may be able to access a portion of your benefit while you're still living.
If you're unable to perform daily living activities due to a chronic condition, you can access up to 300% of your policy amount over a series of monthly payments or a lump sum of 50% of your policy amount.
90-day elimination period applies. Benefits subject to plan terms and conditions.
I'm young and healthy. Do I really need this?
Being young and healthy is exactly why now is the best time to enroll. Your premium is based on your age at enrollment and never increases — the rate you lock in today is the rate you'll pay for life. Waiting even a few years means paying more for the same coverage, every month, forever.
Advocate Health already provides me with life insurance. Isn't that enough?
Employer-provided life insurance typically covers one to two times your annual salary — a good foundation, but rarely enough to replace your income, cover a mortgage, and provide for your family long-term. Aflac Long-Term Care + Permanent Life Insurance is designed to supplement what you already have, not replace it.
What if I leave Advocate Health?
Your coverage doesn't have to end with your employment. Aflac Long-Term Care + Permanent Life Insurance is portable — you can convert or port your policy when you leave, keeping the same coverage and the same rate you locked in when you enrolled.
Can I cover my spouse?
Yes. You can add spouse coverage up to $75,000 on a guaranteed-issue basis — no medical exam required. You must elect coverage for yourself for your spouse to be eligible.
What if I have a pre-existing health condition?
Up to the guaranteed-issue limit of $300,000, no health questions are asked and no medical exam is required. Your current health status does not affect your eligibility or your rate for coverage within the guaranteed-issue amount.
When does coverage begin and how am I billed?
Coverage begins the following month. Premiums are collected on the 20th of each month. There are no annual contracts — coverage continues as long as premiums are paid.
Enrollment takes minutes. Your rate is locked in the day you sign up.
Enroll Now