Actives LTC
Long Term Care Insurance for Active Members
Core LTC Benefit
Active LAPRA members are automatically enrolled in the Core LTC benefit which provides a $1,500 monthly benefit for facility or home care up to two years, after a 90-day elimination period with no inflation protection. The Core LTC benefit is paid 100 percent by LAPRA.
Optional Buy-up LTC Benefit
Members have the opportunity to choose increased coverage by personalizing three key areas:
- Monthly Benefit Amount – You can choose between $1,500 and $8,500.
- Benefit duration – You can choose 2 years, 5 years or lifetime.
- Inflation protection: You can choose no inflation, 5% simple inflation or 5% compound inflation.
LTC Insurance Certificate of Coverage for Active Member
Medical Underwriting
LTC insurance is medically underwritten. However, when you enroll in coverage within your ļ¬rst 31 days of hire, approval is guaranteed up to a beneļ¬t of $6,500 per month and 5 years duration. If you apply for a greater monthly beneļ¬t or duration, you will need to complete an LTC Application.
Cost of LTC Coverage
The cost of Buy-up coverage is determined by your age, the benefit amount and duration. A spouse or eligible domestic partner are subject to the member rate schedule.
If you or your spouse/Domestic Partner wish to apply for coverage, complete the forms below:
For questions about LTC coverage, visit www.unuminfo.com/lapra or email Benefits@lapra.org.