We have partnered with AGIS Network to offer Trustmark Long Term Care. Trustmark offers life insurance with long term care - you elect a life insurance amount up to $300,000, and can receive 4% of the benefit each month for up to 50 months of professional long term care or 2% of the benefit each month for up to 100 months of family care.
There is an initial enrollment period from 2/2/26-2/27/26, for coverage to start 4/1/26. You can apply for coverage at any time after that, but during this initial period, employees through age 70 have guarantee issue, which means that the application will be approved up to $175,000 without needing to provide medical information and medical history.
Information sessions are scheduled for:
- Tuesday, February 3, 4:00-5:00pm - Add to calendar
- Thursday, February 12, 10:00-11:00am - Add to calendar
- Wednesday, February 25, 12:00-1:00pm - Add to calendar
Meet link for all sessions is https://meet.google.com/znr-hmkw-dhk.
What is Long Term Care (LTC)?
Long Term Care is the type of care you may need if you can't independently perform the basic activities of daily living: bathing, dressing, using the toilet, transferring from one location to another, continence and eating, or if you suffer severe cognitive impairment from a condition such as Alzheimer's disease.
Eligibility
Long term care coverage is an option for employees and their spouse or domestic partner in the following groups:
- AFSCME Local 88
- Physicians, sub-Local 88-2
- Pharmacists, sub-Local 88-4
- Dentists, sub-Local 88-5
- MCCDA
- ONA
- Non-represented
Guarantee Issue
During a new employee's first 31 days of hire (as well as during the initial enrollment period, 2/2/26-2/27/26), the plan provides the employee with Guarantee issue coverage up to $175,000. Guarantee issue means that the application will be approved up to specific amounts without needing to provide medical information and medical history. Guarantee issue only applies to employee applicants, not family members.
Coverage amounts requested in excess of the Guarantee Issue allowances will be subject to review of medical history by Trustmark.
Enrollment Outside of the Guarantee Issue Period
Employee applications submitted after the 31 day guarantee issue period, and all spouse and domestic partner applications will go through the regular application and review process, which includes providing medical history to Trustmark. Trustmark has the right to approve or deny these applications. Coverage is not established until approved by Trustmark.
Coverage Amounts and Premiums
The minimum amount of coverage is $10,000 and the maximum is $300,000. Premium costs vary based on age, selected plan, and amount of requested coverage. Coverage is be paid through payroll deduction.
Detailed information, cost calculators, and applications are available on our Multnomah County Long Term Care website.
FAQ
Does this coverage replace my life insurance coverage with The Standard?
No. The County continues to partner with The Standard for County-paid and employee-paid life insurance policies. The life insurance offered by AGIS with the Long Term Care coverage is not a replacement for life insurance coverage with The Standard.
What's the best place to get more information?
Directly from AGIS! If you aren't able to make one of the February info sessions, the folks at AGIS are still ready and eager to answer your questions. You can contact them by phone at 877-485-2318, by email at LTCHelp@agis.com, or you can schedule a phone appointment.
Unum Long Term Care
Prior to 2/1/2026, Unum provided long term care for Multnomah County employees.