Long-Term Care Insurance

Voluntary Long-Term Care Insurance

Voluntary Long-Term Care Insurance helps cover the cost of care assistance for yourself or a family member over an extended period of time due to chronic illnesses, such as Alzheimer’s disease, or various disabilities. Coverage includes help with the basics — bathing and dressing — as well as skilled care from therapists and nurses. To be eligible for this voluntary, employee-paid program, you must be a full-time employee, working 30 or more hours per week. Your spouse and other family members may apply through age 75.  Learn more here.

New employees can enroll during the first 30 days of becoming eligible and will have the opportunity to get coverage with a streamlined underwriting process; cost will depend upon your age. Current employees can also enroll, although a more thorough underwriting process will be required. This Long-Term Care Insurance Program is flexible, which means you can design a plan that fits your needs.

The benefit coverage is portable and will remain in effect for as long as enrolled participants continue to pay their premiums.  This means that if you are enrolled and leave USF, your plan and rates will remain in effect as long as you continue to pay the premiums.