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.
If you are eligible for the Commonwealth of Virginia (COV) Voluntary Group Long Term Care Insurance Program or have other long-term care insurance, you may be able to coordinate with the VLDP Long-Term Care Plan to obtain even more coverage.
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.
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 .
If you leave or retire from your position, your VLDP long-term care coverage will end. You can elect to continue your coverage, which will be retroactive to your last day of employment. You will pay the premiums. You will qualify for the same benefits as active participants and must meet the same eligibility requirements when submitting a claim for covered services.
To continue your coverage, submit the Authorization of Coverage Retention for the Long-Term Care Plan (VSDP or VLDP) (VRS-170) and the Protection Against Unintentional Lapse of Long-Term Care (VSDP or VLDP) (VRS-171) to the Long-Term Care Group, Inc. within 60 days of your last day of employment. This option is not available after 60 days.VRS