Long-term Care Coverage

Long-term care coverage is closed to new entrants effective March 1, 2012.

The voluntary long-term care insurance plan is underwritten by John Hancock Life Insurance Company.

Long-term care insurance helps protect against financial loss in the event that you require long-term care services due to chronic illness, injury, or the effects of aging. If you need assistance with personal daily activities, like bathing or dressing, this insurance can help defray the costs of care services received in a variety of settings, including nursing homes, assisted care facilities, and in your own home.

Benefit Options

In addition to conventional nursing home coverage, the policy may cover services received in your own home and in other types of care facilities. The mix of care settings and levels of care varies with different policies.

Care Coordination

One of the features of the plan is to provide the services of care coordinators, who are registered nurses, who can help you and your family find the care that is right for you and help you use your long-term care benefits wisely.

Inflation Protection Feature

The inflation protection feature of the plan gives you the opportunity to increase your elected Daily Maximum Benefit and consequently increase your Lifetime Maximum Benefit. This allows your benefits to remain meaningful over time.

Eligible Groups

• Employees who are actively at work and have a 50% appointment that lasts at least three months in duration
• Spouses/registered same-sex domestic partners of eligible employees
• Surviving spouses of eligible employees
• Parents and step-parents of eligible employees and of their spouses/registered same-sex domestic partners
• Grandparents of eligible employees and of their spouses/registered same-sex domestic partners
• Siblings and their spouses of eligible employees and of their spouses/registered same-sex domestic partners
• Adult children and their spouses of eligible employees and of their spouses/registered same-sex domestic partners

Full portability of coverage

Even if you retire or leave your job at the University of Minnesota, you will be able to continue your coverage at group rates.

For More Information

The John Hancock Customer Service Center is available toll-free at 800-968-6555, Monday through Friday, from 7:30 a.m. to 5:30 p.m. Central Time. The toll-free number for the hearing impaired is 800-255-1808.