Long-Term Care Insurance

Eligibility

Full and part-time benefit-eligible faculty and staff

Plan Administrator

Genworth

Who Can Use this Benefit

Employee, spouse, eligible dependent and/or adult child(ren), parents and parents-in-law, grandparents and grandparents-in-law, and siblings and siblings-in-law

Benefit

Long-term care insurance helps you manage the costs of long-term care, and covers skilled, intermediate and custodial care in your home, an adult day care center, an assisted living facility or a nursing home. Long-term care support can include help getting dressed, eating, bathing or self-administering medication.  LTC insurance provides coverage for services when they are required for an extended period of time and are not associated with acute care or short-term illnesses.

Enrollment

Newly-hired employees working at least 28.13 hours per week have the opportunity to apply with little or no medical underwriting (depending on their age) during the first 30 days after becoming benefit-eligible.  Coverage under this Program is portable, so it can move with you if you change jobs, leave the University or retire.

Cost

There is no University contribution toward the cost of this insurance.  Employee premium contributions may be remitted as a payroll deduction.

More Information

To learn more, get a quote, and apply online:

 

Resources


NAIC (National Association of Insurance Commissioners) Resources

Prudential Long-Term Care Insurance
(grandfathered option, closed to new enrollments)

Individuals who are currently enrolled in Prudential Long-Term Care insurance may continue with that provider; the terms, conditions of coverage and payment method will not change unless an election is made to do so.

Customer Service: 800-732-0416

The University intends to maintain its benefit programs indefinitely. However, the University reserves the right to amend or modify any or all of the plans at any time and for any reason with respect to both current and former employees and their dependents.

FAQs

LTC insurance helps you manage the costs of long-term care, and covers skilled, intermediate and custodial care in your home, an adult day care center, an assisted living facility or a nursing home. Long-term care support can include help getting dressed, eating, bathing or self-administering medication. LTC insurance provides coverage for services when they are required for an extended period of time and are not associated with acute care or short-term illnesses.

LTC insurance can help you:

  • Protect your retirement savings and assets,
  • Protect your family from the burdens of care giving, and
  • Protect your ability to stay in your own home.

This program offers three simple choices specifically designed for employees, retirees, and eligible family members:

  • Choose a Daily Benefit,
  • Choose a Total Coverage Amount, or
  • Choose a Benefit Increase Option.

Actively-at-work employees and their family members, and retirees and their family members. Family members include:

  • Spouses or civil union spouse,
  • Parents and parents-in-law,
  • Grandparents and grandparents-in-law,
  • Siblings and siblings-in-law, and
  • Adult children.

All eligible employees, retirees and family members must maintain a permanent US residence and have a valid Social Security or Tax Identification number from the US Government.

  • Eligible employees must be 18 or older, actively at work, and working at least 18.75 hours per week.
  • Retirees must be between age 18 and 79.
  • Family members must be between age 18 and 79.
    Eligible family members include spouses and domestic partners, surviving spouses and domestic partners, adult children (no spouses), siblings (including step and in-laws),  parents (including step and in-laws), and grandparents (including step and in-laws).