Note: Effective January 1, 2020 no new enrollments will be accepted into the Long-Term Care Insurance plan. This does not affect employees who purchased long-term care insurance before December 31, 2019.

Long-Term Care Insurance covers services that are typically not covered by health insurance but are vital for the patient, such as assistance with activities of daily living (e.g. walking, eating, bathing). This type of insurance provides financial protection from the rising costs of long-term care. Coverage for care in non-institutional settings, such as assisted living, adult day care, and in-home care, is also available.

Eligibility

Long-Term Care Insurance is available to employees, employee’s spouse, employee’s parents and employee’s spouse’s parents. Anyone covered by the plan must live in Wisconsin.

Enrollment

Active employees may apply for coverage at any time. There is no open enrollment period since each application is subject to medical underwriting. Some illnesses or pre-existing conditions may make employees ineligible for coverage. However, once the policy is issued, coverage will not be limited or exclude any pre-existing conditions or illnesses. The Office of the Commissioner of Insurance (OCI) publishes a free Guide to Long-Term Care (PI-047) to help you evaluate your needs and rights. You may contact OCI at (800) 236-8517 to request a copy. If you are interested in a long-term care insurance policy, refer to the information in the Insurance Carriers section below.

Premiums

Premiums are determined age, health and the level of coverage selected. Employees pay the full premium for this insurance; there is no employer contribution. Premium payments can be made by:

  • Automatic transfer from bank account
  • Direct billing
  • Payroll deduction (employee coverage only – you must notify your payroll office of any premium changes)

Under federal law, long-term care premiums may not be taken on a pre-tax basis.

Long-Term Care Insurance covers services that are typically not covered by health insurance but are vital for the patient, such as assistance with activities of daily living (e.g. walking, eating, bathing). This type of insurance provides financial protection from the rising costs of long-term care. Coverage for care in non-institutional settings, such as assisted living, adult day care, and in-home care, is also available.

Insurance Carriers

Mutual of Omaha offers long-term care insurance (LTCi) to new enrollees. For questions about new and existing Mutual of Omaha policies, contact:

HealthChoice Insurance Solutions – Long-Term Care
583 D’Onofrio Drive, Suite 101
Madison, WI 53719

Toll Free: (800) 833-5823
Local Madison: (608) 833-5823
E-mail: info@healthchoice.com
Website: healthchoice.com

Other long-term care insurance policies were previously offered through United of Omaha, Transamerica and John Hancock. Employees may no longer enroll with these insurance carriers; however, if employees have an existing policy and have questions about coverage, they should contact the carrier directly.

Additional Information

For additional information on long-term care insurance, click here.

Every effort has been made to ensure this information is current and correct. Information on this page does not guarantee enrollment, benefits and/or the ability to make changes to your benefits.