Long Term Care Insurance
Summary and plan information
This voluntary insurance plan provides employees the opportunity to enroll in a guarantee issued long-term care insurance plan. Guarantee issue may be available if the employee enrolls within the first thirty (30) days of employment in a benefit eligible position. After that time, an employee must answer a medical questionnaire and may be denied coverage. Family members are also eligible to apply for the Long Term Care Insurance but must complete a medical questionnaire.
The plan provides benefit payments to employees in the event they need assistance with activities of daily living (bathing, dressing, toileting, transferring, continence or eating) or suffer from severe cognitive impairment. Benefits can be received when employees are receiving assistance in a nursing home, assisted living facility or through home care services.
The Long Term Care Plan allows employees to choose from several benefit durations and levels of coverage to tailor the plan to best meet their needs. They may change duration or benefit levels after their initial enrollment. In doing so, they may be required to complete a medical questionnaire if they elect specific coverage.
Who can be covered
In addition to employees — spouses, parents, parents-in-law, grandparents, siblings and children of employees may be eligible for coverage.
Premiums are based on the employee's age, benefit duration and level of coverage when they initially enroll in the plan and may be paid through payroll deduction (pdf) while they are employed at the University.
If you leave employment at Northwestern
Your plan is completely portable. You may continue it by paying the premiums.
Sherry Crocco, interim human resources consultant
952-888-4777 ext. 170