Hybrid Retirement Plan: Helping You Plan for Tomorrow, Today

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VLDP Long-Term Care Plan

Virginia Local Disability Program (VLDP)

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 practitioner 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 practitioner certifies that you qualify for long-term care benefits.

How to Apply

VRS has contracted with illumifin Corp. to coordinate your benefits under the plan. Contact illumifin Corp. 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.

Leaving Employment

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) PDF icon and the Protection Against Unintentional Lapse of Long-Term Care (VSDP or VLDP) (VRS-171) PDF icon to illumifin Corp. within 60 days of your last day of employment. This option is not available after 60 days.


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