Voluntary Group Long-Term Care Insurance

Open Enrollment - Newly Hired or Newly Eligible Employees

• New employees can apply for guaranteed issue coverage during the first 60 days of employment.
• Other employees can apply for guaranteed issue coverage within the first 60 days of becoming eligible for benefits.

Call Human Resources at 667-4700 for an enrollment packet.

For more information contact CNA customer service 
1-877-777-9072
www.ltcbenefits.com (password: fredhgltc).

Return enrollment forms to Human Resources, J1-105. Do not send to CNA.

Frequently Asked Questions

• What is long-term care insurance?
• When does the insurance start paying benefits?
• Would the plan pay for services provided by anybody I hire?
• What does it mean to have a "waiting period"?
• Do I have to satisfy a waiting period with each claim?
• What happens if I leave employment?
• Who is eligible to apply?
• Do I have to have coverage for myself in order for my family members to apply?
• Can I apply for coverage after the open enrollment period?
• Do family members have to apply by the open enrollment deadline?
• Can I pay for the monthly premiums with pre-tax dollars?
• How do I get more information?
  

What is long-term care insurance?

Long-term care insurance pays for a variety of services you need if you are unable to care for yourself because of an illness or you have cognitive impairment. These services can be provided in a nursing home, an alternate care facility such as an Alzheimer's Unit, or in a community-based setting such as an adult day care or your own home.

When does the insurance start paying benefits?

The plan begins to pay 90 days after you are certified by a licensed health practitioner to be either cognitively impaired, or unable to perform 2 out of 6 activities of daily living (ADL). These activities are bathing, continence, dressing, eating, toileting and transferring.

Would the plan pay for services provided by anybody I hire?

The plan will cover services from any state-licensed provider. Under certain circumstances, approved by CNA, the policy's "alternate plan of care" provision will allow some flexibility to get the most appropriate care.

What does it mean to have a "waiting period"?

This means that the plan will start paying benefits 90 days after you are certified to be unable to perform two of six ADLs or have a cognitive impairment.

Do I have to satisfy a waiting period with each claim?

Generally, yes. However, you will not need to satisfy the 90-day waiting period if you requalify for services within 6 months of the end of your last claim.

What happens if I leave employment?

The plan is portable. You can keep the same plan at the same rate after you leave employment as long as you continue to pay the premiums.

Who is eligible to apply?

The following can apply for coverage: benefits-eligible employees, their spouse or domestic partner, parents, grandparents, in-laws and retirees.

Do I have to have coverage for myself in order for my family members to apply?

No. You are not required to have coverage for yourself to get coverage for your family members.

Can I apply for coverage after the open enrollment period?

Yes. You can apply for the coverage at any time after the open enrollment period by completing the short-form application. However, it will be subject to CNA medical underwriting and is not guaranteed.

Do family members have to apply by the open enrollment deadline?

No. Spouses and domestic partners can apply anytime by completing a short form application. Other family members need to complete the long form application. Coverage is always subject to CNA medical underwriting.

Can I pay for the monthly premiums with pre-tax dollars?

No. Premiums can only be paid with after-tax dollars. However, because this plan is an IRS tax-qualified plan, you should check with your tax advisor to see if you can deduct premiums along with other itemized medical expenses when you file your taxes. Benefits paid out under the plan are not subject to federal income tax.

How do I get more information?

You can request an enrollment packet by calling Human Resources at 667-4700, or going to www.ltcbenefits.com (password: fredhgltc).

Please note: the above information is intended to provide summarized answers to commonly asked questions. However, if there is a discrepancy between the information provided above and the insurance contract, the insurance contract will prevail.