Guaranteed acceptance opportunity for long term care insurance

March 26, 2012

The initial enrollment currently under way for Purdue's new long term care (LTC) insurance benefit offers coverage with no medical underwriting for most Purdue employees.

"The guaranteed acceptance for long term care insurance -- regardless of health status -- is an opportunity that we don't expect to have again," says Susan M. Davis, a benefits manager in Human Resources.

After the initial enrollment period ends on April 30, anyone wishing to enroll in LTC insurance will need to undergo the full underwriting process. Underwriting is the insurance industry's process for determining whether to provide insurance to someone who has applied for coverage.

Employees who meet the following qualifications will be accepted for long term care insurance coverage during this initial enrollment period:
* Ages 18-79.
* Actively at work in a benefits-eligible Purdue position for 30 days prior to the coverage effective date.
* Have a Social Security number.
* Maintain a permanent U.S. residence.

Spouses and same-sex domestic partners ages 18-65 may apply for coverage during the initial March 19-April 30 enrollment by completing a short-form underwriting application. Many additional individuals, including employees age 80 and older and family members and retirees up to age 79, may apply for coverage subject to full underwriting.

How to enroll

To enroll, go to and use Group ID: Purdue and Access Code: groupltc, or call 800-416-3624 to speak with a long term care benefit expert. Those who don't wish to enroll online may request a paper enrollment application through this phone number.

This week's sessions

The following information sessions are available this week:
* Wednesday (March 28) -- 1:30-2:30 p.m. and 3:30 - 4:30 p.m. Stewart Center, Room 318.
* Thursday (March 29) -- 8-9 a.m. and 10-11 a.m. Stewart Center, Room 318.

Visit the Purdue Benefits website at for a full list of presentations and webinars, as well as frequently asked questions and information on options. The Genworth website provides easy-to-use tools to weigh costs and options. Long term care insurance is underwritten by Genworth Life Insurance Company.