Protecting your loved ones is one of life’s greatest responsibilities. When a family loses someone, in addition to grief, survivors may suddenly be faced with costly expenses and debts and even a loss of income. You may also, at any point in your life, need long-term care services, which could cost hundreds of dollars per day. Many families would have trouble paying for living expenses if they lost their primary earner.

Universal Life Insurance with Long-Term Care (LTC) combines the benefits of life insurance with living benefits, which can be utilized for long-term care, home healthcare, adult day care, or assisted living. Many people have concerns about protecting their families’ future should something happen to them. Adding to these concerns is the likelihood that they will need LTC. Universal Life Insurance with living benefits provides an answer to both of those worries. Buying LTC insurance may be cause for hesitation due to the cost or fear of not utilizing the benefits, but this product does not create a “use it or lose it” situation. Regardless of whether the benefit left is from LTC or life, the beneficiary will still receive payout.

Disney is pleased to offer this voluntary benefit to new employees and Cast Members or during a Special Enrollment period. Advantages of this offering include:

• Eligible employees 18-64¹ can apply for up to $150,000 of coverage without answering health questions or having a medical exam during this one-time Guaranteed Issue enrollment. The LTC benefit is 4% of the life insurance amount you purchase. For example, $150,000 life insurance policy would provide a $6,000 monthly LTC benefit for up to 25 months
• Eligible employees ages 65-75 can apply by answering a few health questions.
• Coverage is available for your spouse/civil union/domestic partner and child(ren) with health questions. You can also take this coverage with you, even if you leave Disney or retire.

¹FT employees working 30 hour per week. PT employees working at least 20 hours per week for at least 6 months.

Residents of Washington State Only:

• If you did not enroll in this plan during the October 2022 special enrollment, or are newly eligible, enrolling now will NOT secure you WA Cares Act Tax exempt coverage. You may enroll to benefit from the plan, but you will not be able to apply for a tax exemption from the Washington Employment Security Department.

What if I already have a long-term care policy?

You are welcome to contact our enrollment partner, ACSIA Partners, to compare your existing long-term care policy and decide if adding this new coverage makes sense for you and your family. Call 1-844-999-3060 or click GET STARTED in the upper right corner for more information.

Death Benefit Restoration

The Benefit Restoration Rider included in your policy fully restores the death benefit reduced by LTC each time a benefit is paid. With this rider, your full death benefit is still available for your beneficiaries, which means you can as much as double your benefit.² At age 70 or the 15^th policy year, when life insurance is less important, the death benefit reduces to 1/3.

Example: A $100,000 policy could pay 25 months of LTC benefits ($100,000) plus a full death benefit ($100,000), for a total policy value of $200,000.

¹May not be available with all plans. Not available in HI, NY, OR, UT or VT.
²For questions on how this benefit works, please contact our enrollment partner, ACSIA Partners, at 1-844-999-3060.

Answers about the plan, including eligibility, options, enrollment, customer service and more.