Long-Term Care Insurance
Long-Term Care Insurance is an optional insurance available to
State of Wisconsin and University of Wisconsin employees and annuitants
including their spouses, parents and spouse's parents. 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 Long-Term Care Insurance programs for state employees 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. The Department of Employee
Trust Funds monitors the programs.
Any State, University, or University Hospital and Clinic employee
or annuitant may apply for this coverage. Spouses and parents of
State employees and annuitants can also apply. You may apply for
coverage at any time. There is no open enrollment period because
all applications are subject to medical underwriting. Some illnesses
or pre-existing conditions will disqualify you from the plans. However,
once your policy is issued, coverage will not be limited or excluded
for any pre-existing conditions or illnesses.
There is no employer contribution for this benefit; you pay the
full premium. Currently state employees can pay automatically through
a deduction from their paychecks, automatic transfer from personal
bank accounts, or direct billing. Annuitants can pay through automatic
transfer from a bank account or through direct billing.
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 the Guide to Long Term Care.
Currently there are two marketing agents offering policies to eligible
state annuitants, employees, spouses, and parents. Contact either
of the agents listed below if you are interested in long-term care
policies offered in this program.
Senior Care Insurance Services, Inc.
Offers the John Hancock Custom Care II policy
Toll Free: 1-877-578-8400
Madison, WI Area: (608) 273-3443
www.seniorcareinsurance.net/etf.htm
Life Investors Insurance Company of America (Health Choice)
Offers the Mutual of Omaha's, United of Omaha, Assured Solutions
Plus policy
Toll Free: 800-833-5823
Madison, WI Area: (608) 833-5823
www.healthchoice.com
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