John Hancock
(New Plan on 4/1/07)
John Hancock
- username: uplanltc
- password: mybenefit
800-968-6555
CNA Insurance
(Previous Plan)
866-308-0253
The University of Minnesota sponsors a voluntary long-term care insurance plan for eligible, actively-at-work employees and eligible family members 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 cae 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
Enrollment with John Hancock
You will have guaranteed acceptance (no proof of good health required) into the plan, regardless of your current health status, if you are a newly hired employee or newly eligible employee applying with 60 days of first becoming eligible for this benefit.
All eligible family members must provide proof of good health by completing the statement of health questionnaire on the application with John Hancock.
Premiums based on age at enrollment
Your age when you first enroll determines the premium rate for coverage you buy now. The younger you are when you enroll, the lower your cost will be.
Convenient billing
Premiums for you and your spouse/registered same-sex domestic partner are taken through payroll deduction. All other family members have the option of paying premiums through automatic bank withdrawal or direct billing.
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
To request an enrollment kit or for detailed information about the features and cost of long-term care insurance, go to the John Hancock Web site (username: "uplanltc"; password "mybenefit").
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.
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