Long Term Care

Group Long Term Care insurance is available to all regular employees with a work commitment of half time or more and may include their spouses, parents and grandparents.  This insurance is offered through CNA Insurance Companies.  Long Term Care is defined as out-of-hospital care needed because of chronic conditions, conditions of long duration, and the general effects of aging.  Long Term Care includes:

 

• Nursing facilities, which are state-licensed homes that keep daily medical records all their patients, provide nursing home care on an inpatient basis under the supervision of a physician, have nursing services provided by or under the supervision of a registered nurse (RN), licensed vocational nurse (LVN), or licensed practical nurse (LPN); and is either a freestanding facility or ward, wing, unit or swing bed of a hospital or other institution.

• Custodial care, which does not require the continuous attention of trained medical or paramedical personnel and may be provided by persons without professional skills or training.

 

• Home health care, which can include nursing care performed by a registered nurse (RN), a licensed practical nurse (LPN), or a licensed vocational nurse (LVN); care provided by a home health care aide or by a medical social worker supervised by the Home Health Care Agency; homemaker services provided by a Home Health Care   Agency; or therapeutic services provided by a licensed speech, physical or vocational therapist.

• Adult day care, which meets the needs of the functionally impaired adults through an individual program of care, and provides health, social and related support services in a protective setting during any part of the day, but not for more than 12 hours per day.

• Assisted living care, which is a living arrangement in a licensed facility for those whose condition precludes total independent living but does not require the level of care in a nursing home.

 

• Adult foster care, which is a residential alternative to a nursing home for those who can't live alone but whose needs can be met in a licensed home.

 

Premiums are age-rated and intended not to increase once enrolled in the plan.  The monthly rate is dependent on your age and the level of benefit you choose.

 

For more information regarding the Long Term Care Plan, please complete the Long Term Care Interest Form and fax to the Benefits and Data Management office at 706-721-1996.