Final week for employees to enroll in long term care insurance without answering health questions

April 23, 2012

Time is running out for employees to enroll in long term care insurance without answering questions about their health.

During the initial enrollment period of Purdue's new long term care insurance benefit, which ends April 30, most employees are guaranteed to be accepted for long term care insurance, regardless of their health status. Genworth Life Insurance Company underwrites Purdue's long term care insurance benefit.

Long term care insurance provides coverage when a person needs substantial assistance with two or more "activities of daily living" or ADLs. These include things such as eating, dressing and moving from a bed to a chair. The person may receive care in his or her own home or at a facility, such as an assisted living residence or a nursing home.

The new long term care insurance benefit differs from Purdue's long term disability benefit, which helps replace income when the employee cannot work because of disability. Long term disability has been part of the Purdue benefit program for many years.

Final information sessions are today and tomorrow:
* Today (April 23). 1:30-2:30 p.m. and 3:30-4:30 p.m. Stewart Center, Room 318.
* Tuesday (April 24). 8-9 a.m. and 10-11 a.m. Stewart Center, Room 322.

Webinars may be accessed via the HR website at these times:
* Thursday (April 26). 10-11 a.m.
* Thursday (April 26). 2-3 p.m.

Other resources include:

* Genworth website: (group ID = Purdue, access code = groupltc)
Includes user-friendly online enrollment, plus tools to weigh costs and options.

* Genworth phone assistance: 800-416-3624
Provides customer service staff to answer questions. Also, those who don't want to enroll online may call this number to request a paper enrollment application.

* "Let's Talk," a guide to beginning win-win conversations about the topic of long term care:

* Purdue Benefits website:
Offers information about options and who's eligible for coverage. Also provides frequently asked questions. 

Those enrolling in long term care insurance will have 30 days from the date their certificate arrives by mail to further consider their decision to participate. If they decide not to participate, they may cancel their certificate during the 30-day period and receive a full refund of any premium they have paid.