SOK Long Term Care Simplified Underwriting
Initial Enrollment Period: March 1, 2016 – May 31, 2016

SOK LifeTime Benefit Term Guaranteed Issue
Initial Enrollment Period: March 1, 2016 – May 31, 2016

SOK Individual Long Term Care Insurance and Lifetime Benefit Term Insurance Programs

As a State of Kansas (SOK) employee, you will have access to special long term care offerings from March 1, 2016 – May 31, 2016, distributed by ACSIA Partners LLC. These programs address uninsured long term care costs, which are one of the greatest risks to retirement savings and income today. ACSIA Partners has developed a comprehensive program to provide you with all the information you need to determine which type of long term care solution is appropriate for you and your family.

Why Take Advantage of These Opportunities?

Long Term Care Insurance

Simplified Underwriting: Benefits-eligible SOK employees and their spouse that are actively at work for at least 20 hours per week, of W-2 status, and between the ages of 18-65 are eligible to apply with simplified underwriting. Simplified underwriting means fewer medical underwriting questions and no medical exam to prove good health. Apply during the initial enrollment period of March 1, 2016 – May 31, 2016 to receive this one-time opportunity of simplified underwriting.

Gender-Neutral Rates: Premiums are the same for men and women of the same age, which is not always the case with other individual long term care insurance policies. Women are often charged higher premiums than men of the same age for the same policy.*

Please note: Employees aged 66-79, spouses and family members are eligible to apply with full underwriting. SOK employees aged 18-65 can apply after the simplified underwriting enrollment period; however, full medical underwriting is required. Full underwriting means the full medical history form and proof of good health.

*Kaiser Health News, Key Long term Care Insurer to Raise Women's Premiums, 2013

LifeTime Benefit Term

Guaranteed/Conditional Guaranteed Issue: State of Kansas (SOK) employees aged 19-70, actively at work performing the regular duties of his/her job in the usual manner and the usual place of employment on the enrollment form date, working 30+ hours a week with three months of completed employment as of the enrollment form date and applying for coverage that does not exceed $100,000 will have access to Guaranteed Issue during the initial enrollment period of March 1, 2016 – May 31, 2016. Guaranteed Issue means no health questions and no health underwriting involved. If you elect to enroll, you are accepted automatically.

Note: To apply for coverage over $100,000 not to exceed $150,000, employees will be subject to Conditional Guaranteed Issue.

Affordable: Term Life Insurance provides a lump-sum payment to beneficiaries should you die – plus includes a long term care benefit that is paid out if you experience an illness or injury that results in a long term care situation. An licensed specialist can provide you with the details on the cost and options.

Guaranteed Premiums: Life base insurance premiums are guaranteed never to increase through age 100.

*Spouse and child coverage is available. For more information, contact an licensed specialist at 1-877-720-2165.

critical illness protection

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Did You Know?

At least 70% of people over 65 will need long term care services at some point."1

Long term care services cost between $50,000 - $100,000 per year."2

40% of people receiving long term care are working-age adults between the ages of 18-64."3

Women need long term care services for longer (on average 3.7 years) than do men (on average 2.2 years)."4

LTC does not apply to only the elderly. In fact, over 40% of all people who need long term care are under the age of 65. Younger people may need LTC for a variety of reasons, including accidents, multiple sclerosis, strokes, or other debilitating conditions."5

Is Long Term Care Insurance Right for You? It Can Help You:

  • Protect your home, savings, and family assets
  • Purchase the kind of care you want to receive
  • Maintain your independence and avoid being a burden to your family members
  • Feel more confident about the future


(1) Medicare & You, National Medicare Handbook, Centers for Medicare and Medicaid Services Revised November, 2012
(2) MetLife Mature Market Institute, 2012 Market Survey of Long Term Care Costs.
(3) National Clearing House for Long Term Care Information, October 2008.
(4) US Department of Health and Human Services, 2007
(5) https://www.medamericaltc.com/groups/q-a.jsp