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Employer Bulletin

State Agencies
Vol. 16, State B
June 30, 1999

Long-Term Care Insurance

The Department of Employe Trust Funds and the Group Insurance Board have added a third insurer for Long-Term Care Insurance (LTC). We are asking each state agency to assist us in announcing the availability of this coverage. Please share the attached information with your employes.

You may distribute the information in the format that is most effective for your organization. Suggested methods include newsletters, employe bulletin boards, e-mail, Intranet, etc.

For more information about this notice, contact Phyllis Fuller, Division of Insurance Services, at (608) 266-6465.

Long-Term Care Insurance

The Group Insurance Board (Board) and the Department of Employe Trust Funds (ETF) have approved three insurers to offer Long-Term Care Insurance. By Statute, the Board must offer Long-Term Care policies that meet the Board's requirements if the insurer requests that the policy be offered. The coverage is optional and is available to State of Wisconsin, University of Wisconsin, University of Wisconsin Hospital and Clinic employes and state annuitants including their spouses, parents and spouse's parents. Each plan has been approved by the Office of the Commissioner of Insurance.

The plans may cover expenses usually not covered by group health insurance, including long-term home health care, assisted living, community-based care (adult day care) and nursing home care. Employes may apply for coverage at any time. There is no open enrollment period because all applications are subject to underwriting. All policies are individual contracts with the insurer.

There is no employer contribution for long-term care insurance. The employe pays the full premium.

The Office of the Commissioner of Insurance (OCI) publishes a free Guide to Long-Term Care, PI-047 to help you evaluate your needs. Please contact OCI at 1-800-236-8517 if you would like a copy of this guide.

If you have questions regarding the various policies offered, please contact the insurers listed below.


Jack Schroeder & Associates
(underwritten by AIG, American International Group Life Insurance)
Toll Free: 1-800-582-5721 or 1-877-578-8561
Local Madison: (608) 241-2962

Reservations: Jack Schroeder & Associates will sponsor long-term care informational sessions in Madison from 10:00 a.m. to 12:00 p.m. on July 15, July 29 and August 11, 1999 at the Comfort Inn, 4822 East Washington Ave., Madison WI.

Senior Care Insurance Services
(underwritten by John Hancock Life Insurance Co)

Toll Free: 1-877-578-8400
Local Madison: (608) 273-3443

(underwritten by Fortis Benefits)

Toll Free: 800-833-5823
Local Madison: (608) 833-5823


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