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Long Term Care Insurance

UAH offers the option to purchase long term care insurance (LTC) on a voluntary basis. MetLife is the insurer that offers the UAH long term care plan. The following information is provided to educate and answer common questions regarding the LTC plan. For more detailed information please contact the Nancy Hardin at 539-9522, nhardin@metlife.com or visit the Met Life Long Term Care web site: metlife.com

What is Long Term Care Insurance?
Long Term Care involves a wide variety of services for people with a prolonged physical illness, disability, or cognitive disorder (such as Alzheimer's disease). Long-term care is not one service, but many different services aimed at helping people with chronic conditions compensate for limitations in their ability to function independently. Long term care differs from traditional medical care as it is designed to assist a person to maintain his or her level of functioning, as opposed to care or services that are designed to rehabilitate or correct certain medical problems. Long term care services may include but are not limited to, help with daily activities at home, such as bathing and dressing, respite care, home health care, adult day care, and care in a nursing home.

Who Is Eligible?
All regular, full-time employees may participate in the LTC plan. You are eligible to apply for a policy if you are between the ages of 18-84. You must be actively at work and work 32 hours per week or more.

Your spouse, parents, and parents-in-law, step-parents, grandparents, and grandparents-in-law are also eligible to apply for a policy provided they are between the ages of 18-84. They may apply for this coverage even if you do NOT.

When can I enroll?
You can apply for enrollment at any time. As part of the standard underwriting process, MetLife will carefully evaluate an applicant's overall health and functional status at the time an application is submitted to assure that the risks accepted represent an average risk of needing long term care insurance in the future. The policy becomes effective on the first day of the month following approval of your application and receipt of the first premium payment. You can pay your premium through payroll deduction or direct bill from MetLife.

What does it cost?
The employee pays the full premium cost of the LTC insurance. Cost varies depending on what plan you enroll in , plan features chosen and your age at the time the policy is issued. For specific pricing information you may contact the MetLife representatives below.

What are the Advantages?
There are many advantages to having a Long Term Care Insurance:

Allows you to preserve your savings and assets. Long Term Care is expensive. Basic health insurance, Medicare and Medicare supplement policies do NOT pay for long-term care. Having a LTC policy will provide some financial assistance if this type of care is needed.
Allows you to maintain your independence. Being dependent on your loved one can be stressful for everyone. That's why long term care insurance protection is so important. It will give you more control over your own health care decisions and provide you with more options. This, in turn, can make a big difference in your -and your family's - quality of life.
Allows you to have as many options as possible. No matter if you need help with your day-to-day activities or you need care indefinitely because of a chronic health condition...you'll have more choices when you have long-term care insurance.
Care at home can help you maintain your independence and stay in the comfort of your own home.

Adult Day Care Centers can give you the care you need while your regular caregivers are at work or elsewhere.

Assisted Living Communities can give you the independence you want, as well as the special facilities or on-going assistance you need.

Nursing Home facilities can give you the 24-hour skilled or custodial care you could require.

Some may be able to rely on family members for care or financial support, but for those of us who can't or prefer not to, it makes sense to include affordable, quality, long-term care insurance in our financial plan.

What happens at termination?
If you terminate employment, you can continue your MetLife LTC plan through direct bill rather than by payroll deduction.