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Long Term Care Insurance

Note: Effective 7/1/2011 no new enrollments will be accepted into the State of Illinois long term care insurance plan administered by MetLife Insurance Company. Individuals covered under this plan on June 30, 2011 were grandfathered and their coverage will continue as long as premiums are paid. Currently the State does not have another provider in place to offer this coverage.

Coverage and Eligibility
Prior to 7/1/2011 coverage was available to benefit-eligible employees who are eligible to receive benefits and their spouse, parents, parents-in-law, and retirees. At that time, eligibility requirements included an:

  • Appointment of at least 50%.
  • Eligible to participate in the State Universities Retirement System (SURS).

Plan Provisions
Long term care refers to assistance that is required with routine, everyday activities such as eating, bathing or dressing. These services are not typically covered by medical or disability insurance and can be very expensive. Medicare plans also limit the amount of coverage for these services. Employees choose between a comprehensive plan and a facilities-only plan. Daily and lifetime benefit amounts available are $80/day and $100,000 or $120/day and $150,000.

Important Information
Long term care insurance provided by MetLife:
  • Helps pay for services that are not covered by most other types of insurance, which reduces the employee's out-of-pocket costs.
  • Provides employees with benefit dollars to pay for covered long term care services that are right for the employee's needs and preferences, including care that takes place in the home.
  • Offers coverage at group rates.

Dependent Coverage
Dependents eligible to receive State of Illinois group long term care insurance under a University of Illinois employee were:

  • Spouse (does not include ex-spouse, common-law spouse or same sex partners).
  • Employee's mother.
  • Employee's father.
  • Employee's mother-in-law.
  • Employee's father-in-law.

Cost
Long term care insurance rates are based on the individual's age on the date coverage becomes effective. The older the employee, the higher the rate. Premiums may only be raised as a result of a rate increase made on a class-wide basis. Individualized rate information is provided in the enrollment package from MetLife. Monthly premiums are paid directly to the Long Term Care provider by the employee.

Resources/Links
MetLife Long Term Care Fact Sheet - Answers frequently asked questions about LTC insurance.

Please note: these websites are not affiliated with the University of Illinois or the State's LTC plan through MetLife.

AARP - News and information about long term care from the American Association of Retired Persons
Illinois Department on Aging - Information on elder rights and Illinois' Long Term Care Ombudsman Program.
Metropolitan Life Insurance Company (MetLife) Long-Term Care (LTC) 800-438-6388

 


Maintained by University Human Resources | Contact Information | Last Update: 01-August-2014 | ID: 111