Long-Term Care

The Long-Term Care (LTC) Plan is an optional insurance plan through C.N.A. Independent Solutions Group Long-Term Care Insurance which is fully paid by the employee. It provides coverage, with a $150 daily maximum benefit, for nursing home and community-based care (which includes home health care) in the event the participant becomes disabled and can no longer care for him or herself on a day-to-day basis.

Premiums may only be made on an after-tax basis and are based on the employee's age at the time approval is received. A separate enrollment form must be completed and approved by the insurance carrier before coverage will begin. As long as the participant continues to make the scheduled payments and does not have a break in coverage, the premium will only go up if the participant's locked-in age group premium increases.

If you enroll in Long-Term Care Insurance when you first become a benefits-eligible employee, you are automatically accepted but will still need to complete an evidence of insurability application. Employees who wish to enroll at a later date can do so during the annual enrollment period, but you will be required to complete an Evidence of Insurability Form and submit it for medical review by the insurance carrier before coverage can be considered. Once enrolled, the employee may continue coverage after termination by making payments directly to the insurance provider.

Spouses, retirees, retiree spouses, parents, in-laws, and grandparents can apply for long-term care insurance by completing and submitting a medical questionnaire. If approved, the premium for spouse may also be paid by the employee through after-tax payroll deduction. All others would be billed directly by the company.

Benefits Guide
Rate Sheet
Shoppers Guide for LTC
New Employee Enrollment

Contact Info & Provider Directories
CNA: 1-800-528-4582