Hybrid Retirement Plan: Helping You Plan for Tomorrow, Today

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    Long-Term Care

    Long-Term Care

    COV Voluntary Group Long-Term Care Insurance Program

    Changes Coming to Long-Term Care Policy Following Insurer’s Restructuring

    Genworth Life Insurance Company has notified VRS that the company will no longer accept new enrollees in the Commonwealth of Virginia (COV) Voluntary Long-Term Care Insurance program, effective December 31, 2016. This change is a result of parent company Genworth Financial Inc.’s ongoing restructuring plan.

    In 2010, VRS entered into an agreement for the COV long-term care plan with Genworth. That agreement remains in place at this time, and Genworth has confirmed it will honor the terms of all current policies as well as any received through December 31, 2016.

    VRS will keep employers and members informed as we gain more insights.

    VLDP Long-Term Care Plan

    If you are a Hybrid Retirement Plan member employed by a political subdivision or school division who participates in the Virginia Local Disability Program (VLDP), you are covered automatically under the VLDP Long-Term Care Plan. You pay no cost for this coverage while you are employed in a VLDP-covered position. The VLDP Long-Term Care Plan provides benefits if you need help with everyday life tasks because of a prolonged health problem or following a major illness or injury. The plan assists with the cost of:

    • Care in a nursing home or hospice
    • Assisted living facility
    • Community-based care
    • Home healthcare services
    • Informal care-giving
    • Alternative or transitional care

    The maximum daily benefit amount is $96 with a lifetime maximum of $70,080.

    You are eligible for benefits when a licensed healthcare professional certifies that:

    • You are unable to perform at least two of six activities of daily living; or
    • You have a severe cognitive impairment requiring substantial supervision to protect you from threats to health and safety.
    Waiting Period

    Benefits are payable 90 calendar days after your licensed healthcare professional certifies that you qualify for long-term care benefits.

    How to Apply

    VRS has contracted with the Long-Term Care Group, Inc. to coordinate your benefits under the plan. Contact the Long-Term Care Group, Inc. toll-free at 1-800-761-4057 within 60 days of being certified as eligible for benefits. A family member or friend may call on your behalf. To learn more about qualifying for benefits, plan highlights, plan features and coverage after you leave employment, review the Virginia Local Disability Program (VLDP) Handbook for Members pdf icon.

    VSDP Long-Term Care Plan

    If you are a state employee in VRS Plan 1, VRS Plan 2 or the Hybrid Retirement Plan, the State Police Officers’ Retirement System (SPORS) or the Virginia Law Officers’ Retirement System (VaLORS) and participate in the Virginia Sickness and Disability Program (VSDP), you are covered under the VSDP Long-Term Care Plan at no cost to you. Long-term care services provide help with everyday life tasks because of a prolonged health problem or following a major illness, injury or surgery. This loss of independence can affect people of all ages. Without long-term care coverage, the cost of these services can quickly deplete savings or retirement income.

    The VSDP Long-Term Care Plan covers nursing home care, hospice care, assisted living care, community-based care and at-home care, among other services. Your caregiver also may be eligible for assistance under the plan. The maximum daily benefit amount is $96 with a lifetime maximum of $70,080. See VSDP Long-Term Care Plan FeaturesSee VSDP Long-Term Care Plan Features.

    How to Apply

    VRS has contracted with the Long-Term Care Group, Inc. to coordinate your benefits under the plan. Contact the Long-Term Care Group, Inc. toll-free at 1-800-761-4057 within 60 days of being certified as eligible for benefits. A family member or friend may call on your behalf. To learn more about qualifying for benefits, plan highlights, plan features and coverage after you leave employment, review the Virginia Sickness and Disability Program (VSDP) Handbook for State Employees pdf icon.

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