Chubb – Long-Term Care Facilities and Life-Plus-LTC Benefits Partner Supporting Senior-Care Organizations and Workforces

Supporting Senior-Care Ecosystems Through Long-Term Care Facility Coverage and Combined Life-with-LTC Benefits

Chubb provides specialized insurance for long-term care facilities, including a range of senior-care settings and both for-profit and non-profit entities. Its long-term care facilities coverage focuses on professional and general liability risks for senior-care providers, supported by healthcare risk-management experts. In parallel, Chubb offers combined life-and-long-term care (LTC) benefits that pay monthly LTC benefits when insureds become chronically ill, effectively linking life insurance and long-term care financing in a single policy.

Who Is Chubb in Healthcare and Senior-Care Risk?

Chubb’s long-term care facilities insurance addresses the specific risk mix of senior-care facilities, providing professional and general liability coverage for nursing homes, assisted-living facilities, and other senior-care entities. Its healthcare risk-management team, including leaders such as Senior Vice President Diane Doherty, supports facilities with risk-management tools and guidance through dedicated portals and contacts. Separately, Chubb’s LifeTime Benefit Term and similar products combine life insurance with LTC benefits, enabling employees to access a percentage of their death benefit each month (for example, 4%) to pay for LTC services if they become chronically ill.

For senior-care ecosystems, Chubb therefore operates both at the facility level (insuring senior-care operations) and at the workforce/individual level (helping staff and families finance long-term care needs).

Why Senior-Care Ecosystems Need Chubb

Senior-care ecosystems rely on Chubb when:

• Long-term care and senior-living facilities require specialized professional and general liability coverage backed by healthcare risk-management expertise.
• Employers or groups want combined life-and-LTC products that give employees flexible protection for both family income and future care costs.
• Organizations value an insurer with global financial strength and dedicated healthcare risk-management resources.

Standardized incident and claims data for falls, pressure injuries, medication errors, and other facility-level events help Chubb refine underwriting and tailor risk-management guidance for senior-care providers. Structured utilization data for LTC-linked life benefits helps Chubb and employers understand how benefits are actually used across care settings.

Case Study

A multi-site senior-care organization operates long-term care facilities and offers Chubb life-with-LTC benefits to employees through its workplace-benefits program. On the facility side, the organization works with Chubb’s long-term care facilities program and interacts regularly with healthcare risk-management leaders such as Diane Doherty. On the benefits side, employees can draw monthly LTC benefits (for example, 4% of their selected life amount per month) up to several times the life-insurance face amount when they meet LTC claim criteria.

The organization implements Caring Data for dual purposes:

• Facility level: to standardize incident reporting (falls, medication errors, pressure injuries, abuse allegations) and share de-identified aggregate data with Chubb’s risk-management team.
• Workforce level: to integrate de-identified LTC benefit utilization metrics (such as setting of care and duration) with role and tenure data.

Chubb uses the facility-level data to tailor risk-management recommendations and refine liability terms, while LTC utilization insights support discussions about benefit design and communication. The organization gains a more complete picture of how facility risks and workforce LTC needs intersect.

Testimonials

“Our Chubb healthcare contacts told us the Caring Data reports improved their visibility into our long-term care facility risks and helped them prioritize risk-management support.”

“We now see how standardized incident and LTC-benefit utilization data support more tailored coverage and benefits strategies with Chubb.”

Key Contact

Chubb

Role: global insurer providing long-term care facility professional and general liability coverage and combined life-with-LTC benefits that support senior-care organizations and their workforces.

Website:
https://www.chubb.com/

Address (listing):
550 Madison Avenue, New York, NY 10022

Phones (listing): 646-265-7634 (Diane Doherty contact); 1-800-777-2131 (customer service)

Emails (listing): Diane.Doherty@chubb.com; GlobalVendorManagement@chubb.com

Contact (listing): Diane Doherty

Final Thoughts

Senior-care ecosystems benefit when insurers like Chubb deliver both facility-level liability programs and life-plus-LTC benefits that address the needs of residents, staff, and families. Caring Data deepens this value by providing structured incident and utilization information that supports targeted risk-management and more responsive benefit design.