Long Term Care

Provider

CNA Life is the long term care insurance provider. They can be reached at 1-800-266-2904 or you can visit their website.

If you are currently enrolled in Long Term Care with CNA, you may keep your coverage. However, new applications for long term care are no longer being accepted.

About Group Long Term Care

Long Term Care is a variety of support services that are provided for people who are unable to take care of themselves, whether temporary or permanently. Individuals need long term care coverage when they cannot perform 2 of the 6 activities of daily living - bathing and dressing, toileting, transferring and continence or eating. Long Term Care may also be required when a person has a cognitive impairment, such as Alzheimer´s Disease.

Plan Summary

Plan Portion
Description
Long Term Care Daily Benefit$80, $120 or $160 per day in a licensed skilled care facility (You choose which plan you want)
Community Based Care Daily Benefit60% of the Long Term Care Daily Benefit ($48, $72, $96) Includes homemaker services, home healthcare, assisted living facilities, adult daycare, adult foster care
Waiting Period90 Calendar Days
Waiver of PremiumPremium is waived after you have completed your waiting period
Lifetime Maximum Benefit1,095 times the Long Term Care Daily Benefit ($87,600; $131,400; $175,200) or
1,825 times the Long Term Care Daily Benefit ($146,000; $219,000; $292,000)
Temporary Bed BenefitPlan will pay the daily benefit for Long Term Holding Care up to 21 days per year to hold your bed in the nursing home during your absence.
Caregiver BenefitPays 25% of the Long Term Care Daily Benefit up to 30 days per year for various types of informal care. Paid in addition to Community Based Care
Caregiver Training BenefitPlan will pay 100% of the actual expense incurred for caregiver training, up to 3 times the Community Based Care Benefit for training necessary for an informal caregiver to care for you in your residence.
Emergency Alert BenefitPlan will pay 100% of the actual monthly expense incurred to rent or lease an emergency alert system for your home, not to exceed the monthly Community Based Care Benefit


Eligibility

If you are currently enrolled in Long Term Care with CNA, you may keep your coverage. However, new applications for long term care are no longer being accepted. You may call CNA Customer Service toll free 1-800-266-2904 and request information. Their coverage is subject to CNA medical underwriting and approval.

Portability

If an employee leaves for any reason, CNA will move the employee, at his or her option, to identical coverage on a direct-billed basis.