Long Term Care

Summary
Best Features
Enrollment Opportunities
Eligibility
Resources
Contact Information

Summary

All benefits-eligible employees may participate in the long term care (LTC) coverage provided by CNA. Long term care provides funds for necessary services when an individual becomes incapable of caring for himself or herself. Covered services can vary depending on the individual’s condition and can range from assistance in the home to nursing home care.

Reasons to Consider Long Term Care

Best Features

Can cover many types of dependents
Several benefit options
Coverage is portable if you leave MD Anderson

Enrollment Opportunities

Based on federal law, employees may make changes to their benefits only at the times specified below.

At Hire

Within 31 days of hire, benefits eligible employees may add or change benefits.

Moving to a Benefits Eligible Position

Employees moving from a non-benefits eligible position to a benefits eligible position have 31 days from this change in status to complete their benefits enrollment.

At Annual Enrollment

Benefits eligible employees may make any changes to their benefits once a year, without a change of status during annual enrollment, which usually occurs each July.

Family Status Change

Certain events in your family or changes in your dependent’s employment or coverage may enable you to make changes to your benefits outside of annual enrollment. These events, known as Family Status Changes or qualifying events, allow changes to benefits that are consistent the event. (Ex: add medical coverage to your newborn child.)

Benefit changes and supporting documentation must be received by myHR within 31 days of the event. Learn more about these qualifying events and dependent documentation.

Eligibility

Full and Part-time Employees

Both full and part-time employees pay the same amount for long term care coverage. As a result, you and your dependents are eligible for long term care coverage if:

You work at least 20 hours per week, and
Your appointment is expected to continue for at least 4 ½ months, and
You are not currently covered by another state-sponsored medical insurance plan.

Dependents & Required Documentation

The LTC plan is available to you, your spouse, adult children (25 years and older), parents, grandparents, parents-in-law and grandparents-in-law. Payroll deduction is available for you & your spouse. Other enrolled family members will receive direct billing from CNA. See Required Documentation for Dependents for adding dependents to coverage.

Evidence of Insurability

Evidence of Insurability (EOI) is the record of a person's past and current health events and is used by insurance companies to verify whether a person can be approved for coverage. See Evidence of Insurability to determine when an EOI is required for long term care coverage.