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WHAT'S COVERED?

Long-term care insurance pays for a variety of services for people who are unable to care for themselves due to an injury such as a paralysis from a car accident, a chronic illness such as arthritis, an acute episode such as a stroke, or a cognitive impairment like Alzheimer’s disease. Long term care services may include assistance in a home, adult day care center, an assisted living facility, or nursing home. For a full description, please consult a sample certificate of coverage (PDF, 101kb).

WHO'S ELIGIBLE?
	Employees - New employees may enroll without showing evidence, providing they are actively at work and enroll within 35 days of becoming eligible for for other state-sponsored insurance. - Except during special open enrollment periods, all other employees must show evidence of good health and be actively at work in order to be accepted.
	Spouses of employees may apply even if the eligible employee does not, but must always show evidence of good health in order to be accepted.

Premiums are based on your age at the time your coverage becomes effective and will not increase just because you get older.

If you are a Minnesota taxpayer, you will be eligible for Minnesota tax credit of up to $100/year, or $8.33 a month.

You can obtain a quote from the insurer's Premium Calculator.

Most employees can pay premiums for themselves and their spouses through payroll deduction, through quarterly, semi-annual, or annual direct bill, or through monthly automatic bank draft. Retirees can pay premiums through direct bill or automatic bank draft.

Since long-term care coverage is portable, it is not administered through the same computer systems used for other employee benefits. As a result, payroll deduction is not available to all employees, but only to those covered under the State's payroll system and a few other employer units that have chosen to establish interfaces with the insurer. Individuals whose employer unit does not offer payroll deductions should discuss this matter with their human resources representative, as this is a decision made between the employer unit and insurer.

Academic employees who are paid on a nine-month basis have the option of paying their premiums on that same frequency.