Resource Center for VRS Employers: Hybrid Retirement Plan: Defined Contribution Component

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    Long-Term Care

    Long-Term Care

    COV Voluntary Group Long-Term Care Insurance Program

    Voluntary Long-Term Care Program Prepares to Accept New Enrollees

    Genworth Life Insurance Co. has completed restructuring of its employee-paid long-term care insurance program and will once again accept new enrollees in the Commonwealth of Virginia Voluntary Group Long Term Care Insurance program starting fall 2019. The program provides a maximum monthly benefit for covered long-term care expenses.

    State employees who meet eligibility requirements can participate. School division and political subdivision employees may participate if they meet eligibility requirements and their respective employers adopt the program, or have an adoption agreement already in place. Employers will receive program details by email.

    Adoption Window

    All state agencies are eligible to participate in the program without signing an adoption agreement. Political subdivision and school employers that did not adopt the COV Voluntary Long-Term Care Insurance Program in 2010 or 2011 can submit an adoption agreement to VRS postmarked by June 14 to participate in the updated program. Genworth will email adoption agreements to non-participating employers in mid-March.

    Political subdivision and school employers that adopted the program in 2010 or 2011 do not need to sign an adoption agreement to participate in the updated program. New employees, as well as those who did not enroll in the long-term care insurance program in the past, will be eligible to participate. Employees who are currently enrolled will continue their coverage under the existing program. Participating employers will receive an email from Genworth in early April with details about the updated program provisions.

    Open Enrollment Set for September 16 – October 11

    • Eligible employees age 65 and under who apply during open enrollment will have limited medical underwriting requirements.
    • Employees age 65 and under who apply after open enrollment or more than 60 days after their hire date must complete full medical underwriting.
    • Eligible employees age 66 and over must complete full medical underwriting.
    • Select family members between the ages of 18 and 75 may also apply; however, they must complete full medical underwriting.

    Questions? See Coverage and Eligibility details, contact the Genworth Account Management team or call toll-free 1-800-870-0877.

    Genworth Life Insurance Co. has completed restructuring of its employee-paid long-term care insurance program and will once again accept new enrollees in the Commonwealth of Virginia Voluntary Group Long Term Care Insurance program starting fall 2019. The program provides a maximum monthly benefit for covered long-term care expenses.

    State employees who meet eligibility requirements can participate. School division and political subdivision employees may participate if you meet eligibility requirements and your employer has adopted the program. Check with your human resource office to find out if your employer participates.

    Watch for additional details on the program and open enrollment later this year.

    Note: If you enrolled in the COV Voluntary Group Long-Term Care Insurance Program before December 31, 2016, you will continue coverage under that program.

    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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