Long-Term Care (Full-Time Actives)

Long-term care insurance helps pay for a broad range of nursing and custodial services if you become unable to care for yourself due to a chronic illness or physical or cognitive impairment such as Alzheimer's disease or normal aging. Coverage and premiums for voluntary long-term care insurance depend on the program and your age at enrollment.

This page includes only highlights of optional long-term care insurance. See the Details Tab for more information.

PLEASE BE AWARE THAT ENROLLMENT IN THE LONG TERM CARE AND CATASTROPHIC MAJOR MEDICAL PLANS IS CURRENTLY CLOSED. WHEN WE HAVE A DATE FOR OPEN ENROLLMENT, WE WILL ANNOUNCE IT ON THIS WEBSITE'S HOME PAGE.

Welfare Fund members may participate in a Long-Term Care Insurance program endorsed by New York State United Teachers (NYSUT). Information on the program is available here.

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Enrollment in the the benefit described here is closed. This description is meant to serve as a broad overview of the John Hancock program for current policy holders. A complete policy statement is available by calling 888-513-2071 or 800-543-7108.

Benefits

This policy is intended to provide payment toward care that becomes necessary for persons unable to care for themselves due to chronic illness, severe physical impairment, the normal aging process, or cognitive impairment, such as Alzheimer's disease or senile dementia, which requires constant supervision.

This long-term care insurance provides payment for services ranging from nursing home care to skilled nursing care to custodial care at home, including help with daily activities such as eating and dressing, to professional attention. It also includes services offered through adult day health care programs and other community agencies. The plans are designed to help safeguard financial assets and plan for the future by providing financial protection against the devastating cost of long-term care.

Eligibility

Full-time active or retired member of the PSC-CUNY Welfare Fund may enroll. Persons who do so must make the election within 60 days after hire or a medical qualification may be required. A spouse or domestic partner, parents and/or parents-in-law may also be covered, even if the primary Fund participant chooses not to enroll.

Upon separation from service, long-term care insurance may be continued by making direct payments.

Enrollment

In order to qualify for coverage, each person must complete and return an application directly to the LTC carrier: John Hancock Mutual Life Insurance Company. Payments may be made through payroll deductions by attaching a Payroll Deduction Authorization.

Premium

Premiums are determined by the benefit chosen and age at initial enrollment.

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