Group Long Term Care

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• Group Long Term Care

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WHAT IS LONG TERM CARE?

• Skilled, intermediate and/or custodial care
  provided to individuals who are unable to care
  for themselves, including
• Institutional Based Care
• Nursing Home Facility
• Alternate Care Facility
• Hospice Care Facility
• Community Based Care
• Home Health Care
• Adult Day Care / Adult Foster Care
• Assisted Living Facility
• Home Hospice Care

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DONT ASSUME YOURE COVERED

• Medical Insurance and HMOs
• Provides only limited coverage, if any, for
  skilled long term care
• Services must be medically necessary
• Designed to cover specific medical conditions
• Long term care needed for help with everyday
  activities - Custodial care is seldom covered
• Medicare
• Governmental programs are not adequate - Covers
  skilled care only
• Prior hospital stay is required
• Pays limited benefits
• Medicaid
• Individuals must spend down their assets
• Meet the states definition of poverty
• Long Term Disability
• Only replaces a portion of lost wages - Designed
  to cover ordinary and normal living expenses

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WHY CONSIDER LONG TERM CARE INSURANCE?

• Long term care services are expensive
• Protection of personal assets
• Inadequacy of medical coverage and Medicare
• Preservation of independence
• Flexibility and control of care

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LONG TERM CARE PLAN HIGHLIGHTS

• Discounted group rates
• Guaranteed coverage if enrollment occurs within
  31 days of eligibility.
• Premiums do not increase with age
• Rates are based on the plan, optional benefits
  selected and your age on the coverage effective
  date
• Continuation of Coverage
• Coverage can be continued if you retire or leave
• No change in benefits or rates
• CNA will bill you directly for future premiums
• You do not have to enroll in the plan for your
  eligible family members to apply for coverage

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WHO IS ELIGIBLE FOR COVERAGE?

• Regular Full Time and Regular Part Time employees
  - Actively-at-work
• Eligible for coverage on a guaranteed issue basis
  - no evidence of insurability required during
  the open enrollment period only
• New hires that apply for coverage during the
  first 31 days are guaranteed issue - no evidence
  of insurability required
• After the eligibility period
• You must provide evidence of insurability and
  be approved
• Coverage is not guaranteed

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WHO IS ELIGIBLE FOR COVERAGE?

• Other Eligible Groups
• Spouse of an employee
• May apply for coverage via the short form
  application
• Coverage is not guaranteed
• Must provide evidence of insurability and be
  approved

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WHO IS ELIGIBLE FOR COVERAGE?

• Other Eligible Groups
• Parents, Grandparents, In-Laws, Retirees
• May apply for coverage at any time
• Complete the long form application
• Coverage is not guaranteed
• Must provide evidence of insurability and be
  approved
• May request their own Enrollment Package from CNA
  
• 1-877-777-9072

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HOW TO ENROLL

• Employees
• Complete employee enrollment form
• Select Plan Design
• Spouses
• Complete short form application
• Select Plan Design
• Employees can request forms from customer
  service, or download them by going to
  http//www.usmc-mccs.org/emp_bene.html and
  clicking on the CNA logo.
• Mail completed forms/applications to CNA before
  the 31 day eligibility period is up!

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Cancellation of Coverage

• If employees call customer service, they will be
  directed to their local HR Office.
• Have the employee or spouse (if applicable) fill
  out the Authorization to Cancel Long-Term Care
  Insurance Form.
• Inform the employee that the effective date of
  cancellation will be the 1st of the month
  following receipt of this form by CNA. If
  deductions continue after the 1st of the next
  month, CNA will refund the deductions.
• Mail the form to CNA Long-Term Care at the
  address noted on the cancellation form.

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Other Issues That May Arise

• If an Employee goes into Leave Without Pay
  status, CNA will begin automatic billing after 2
  months of missed premiums.
• If an Employee leaves the MCCS organization, they
  can continue the benefit. CNA will begin
  automatic billing after 2 months of missed
  premiums.

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Questions?

• For All Other Issues
• Employees Contact CNAs CUSTOMER SERVICE
• 1-877-777-9072
• HOURS OF OPERATION
• Monday thru Friday
• 800 a.m. to 600 p.m. (EST)

• For Cancellations or Customer
• Service Issues,
• HR Offices only Contact
• KAREN OEHLSCHLAGER
• oehlschlagerka_at_usmc-mccs.org
• [phone]