Never Asked Questions

But aren't we already covered?

Medicare generally does not cover long-term care expenses, such as custodial care (help with activities of daily living like bathing, dressing, and eating) in nursing homes or assisted living facilities.

What about buying on my own?

If you happen to qualify, LTC insurance premiums can be expensive, and they often increase over time, even after you buy the policy.

Are long-term care services expensive?

Yes, long-term care (LTC) is very expensive, and costs are rising each year. The total cost depends on the type of care, location, and length of time you need services. In 2024 average costs for care ranged from $5,000 to $15,000 per month with 31% of adults needing long term care longer than 18 months.

How do we prepare?

Start now! Take advantage of plans that offer Guaranteed Issue with no medical questions and enroll while you are still healthy and working. The younger you start, the lower your premiums.

Welcome!

For new employees, coverage begins on the first day of the month coinciding with or following 30 days of employment. You have 30 days from your hire date to make your benefit elections. Coverage will be effective retroactive to your eligibility date.

Benefits are an important part of your overall compensation, and our comprehensive benefits package is designed to be flexible to meet your individual needs. This site provides an overview of your benefits including helpful links, benefit documents, videos, and more!

We’ve made it easy to learn about the coverage options available to you, compare the features and cost, and decide which options are best for your individual situation and budget. Be sure to consider not only the premiums for each plan, but also the out-of-pocket costs, deductibles, copays, and coinsurance. By being a smart benefits consumer, you can support your health and get the most for the money you spend on your coverage.

Enrollment Support

To help you elect the benefit coverages that best fit your needs, we are pleased to offer individual enrollment support with certified benefit counselors. During your scheduled session, your counselor will review your benefit options, answer any questions, and help you to complete enrollment.

Don’t miss out on your benefits, schedule your session today!