A Guaranteed Acceptance Whole Life Insurance plan, approved by the IBT's General Executive Board, offers Teamsters members and their spouses/partners life insurance with long-term care benefits. It provides a guaranteed death benefit and an additional living benefit for long-term care needs, ensuring financial support during critical times.

Long-term care insurance covers extended care needs in various settings like home care, nursing homes, and assisted living facilities. It offers higher benefits, with options for couples to share coverage and add inflation protection. Eligibility is determined through a health assessment.

Short-term care insurance provides coverage for nursing homes or in-home care for a specified period of time, and is an alternative to long-term care insurance. Coverage is available for members ages 40-89 and helps address out-of-pocket care costs.