Canada (EN)
A large food and beverage company with national and global presence was looking to provide more meaningful benefits support to employees without burdening HR. With a wide selection of foods and beverages, several subsidiary brands and service to billions of people worldwide, this organization wanted to prove commitment to their own people with a focus on long-term financial wellness and overall wellbeing.
Industry: Food and beverage
Workforce: 10,000+ employees
Headquarters: East Coast, U.S.A.
Featured solutions:
- Engagement Services
- Healthcare Navigation
- Benefit Guidance
- Smart-Choice (Spending Accounts Administration)
- Dependent Verification Services
- Claims & Appeals Management
- Large Market Benefits
- Retiree Health Solutions
- Alight Benefits Guidance
Challenge: Addressing financial strain and caregiving challenges through Long-Term Care planning
In 2023, the employer recognized a growing need to support their workforce with LTC planning as part of a broader financial wellness strategy. With personal care costs rising — averaging $127,750 annually for a private nursing home room and increasing 5% year over year — employees were facing significant financial pressure.1 Traditional health insurance and Medicare typically do not cover these expenses, leaving many individuals vulnerable to out-of-pocket costs that can quickly deplete savings.
The employer was also concerned about the impact on employees who serve as family caregivers. With 1 in 5 employees acting as a caregiver, the emotional, physical and financial burden can be felt across a workforce.2 With 11,000 Americans turning 65 each day and the majority (56%) of them needing long-term care, the organization saw an urgent need to address the issue proactively.3
They wanted to provide meaningful support without overwhelming their HR team or creating confusion among employees. The challenge was to introduce LTC planning in a way that was accessible, empathetic and aligned with employees’ retirement goals.
Working with their broker, the employer focused on identifying a strategic partnership that would enable them to take a proactive, enrollment-based approach to financial wellness, addressing long-term care planning at a critical time.
Solutions: Delivering a streamlined, employee-centric enrollment experience
In early 2024, Alight began supporting enrollment for Chubb’s Lifetime Benefit Term with Long-Term Care coverage through Alight Worklife® (AWL) — a complex, compliance-heavy benefit. Initial results across seven mutual clients showed strong engagement, with an average enrollment rate of 7%.
Alight’s consistent messaging and internal advocacy helped keep this benefit top of mind during annual enrollment planning. The broker and Alight also worked together to bring forward a strong education campaign to educate employees on the value of this important benefit.
When this employer expressed interest in offering this coverage, Alight’s subject matter experts quickly collaborated with the broker and the employer to transition the benefit from a third-party platform to AWL. The selected carrier, Chubb, was part of Alight’s Strategic Carrier Partnership program, enabling seamless support for its administrative requirements.
Originally, the plan was set to be offered post-enrollment on an external site without customer care — posing challenges for employees and reducing visibility.
Alight’s team demonstrated how the benefit could be integrated into AWL, leveraging prior work with Chubb and the broker for both active and retiree populations. This led to a strategic shift to offer the plan directly through AWL, ensuring a more intuitive and accessible experience.
Alight Worklife®
Connect health, wealth and leaves in one place to cut complexities and empower your workforce with Alight Worklife’s integrated and AI-powered cloud platform.
Throughout implementation, Alight and Chubb partnered closely with the broker and the employer to create a tailored communication strategy focused on simplicity and clarity, critical for explaining the nuances of whole life insurance compared to employer-provided coverage. Emphasis on a long-term care component resonated with employees who were planning for their families’ future.
The power of Chubb’s LifeTime Benefit Term with long-term care product led to high engagement and participation from the client. With partnership from Alight, the client on-boarding experience was seamless from implementation to ongoing billing administration. By consolidating elections within a single, trusted platform, and offering long-term care and life insurance together to highlight broader coverage needs, employees were empowered to make holistic benefits decisions.
As a result of Alight and Chubb’s partnership and process, the client saw substantially higher participation. On average, Alight and Chubb see 7.2% Lifetime Benefit Term and Long-Term Care participation across Alight platforms. This client garnered 19% participation.
Coordinated implementation experience
Leveraged Chubb and Alight’s established implementation process and pre-built product template
Streamlined billing administration
Created templates between Alight and Chubb for the client
Chubb’s customized Plan Design allowed for the following:
- Chubb LifeTime Benefit Term with Long-Term Care education built within Alight
- Streamlined product offering — coverage guarantee issue for all eligible enrollees
- Up to 75 months (or 300%) Long-Term Care Benefit
Results: Exceptional enrollment outcomes and enhanced employee confidence
The results far exceeded expectations, reflecting strong employee engagement and a growing focus on long-term financial wellness. Lifetime Benefit Term with Long-Term Care coverage saw remarkable participation, and the ripple effect extended to other benefits as well — Supplemental Permanent Life insurance premiums rose by 8%, signaling broader interest in financial protection.
19% participation rate in Lifetime Benefit Term with Long-Term Care — nearly triple the industry average of 7%, surpassing projections by 171%
216% increase in premium volume, indicating broader coverage and deeper employee investment in future planning
Strengthened employee experience and trust, with benefits that support both personal wellbeing and family security
Start the transformation
Alight Worklife connects health, wealth and leaves in one place to cut complexities, elevate employee experience and improve business outcomes. Whether you’re looking for a modernized HR experience or compliance solutions to protect your data, we’ve got you covered with best-in-class support and an AI-powered cloud platform that predicts the needs, risks and opportunities of your workforce. Reach out to your Chubb Benefits representative to learn more about our offerings.
