Long Term Care
Employees have the option to purchase individual long term care coverage. The insurance pays benefits when a physician certifies that the covered participant (employee or a family member) has lost the ability, for a period of 90 days, to perform at least two of six Activities of Daily Living (ADLs), or suffers severe cognitive loss (like Alzheimer's Disease). Employees have a guaranteed benefit - with no medical underwriting - at time of initial eligibility only. Group rates are also available for a spouse, parents/grandparents (including in-laws), siblings, and children. The benefit is portable when employment ends.
Enrollment kits are available in Human Resources. Please contact Human Resources at 313-5852.