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Long Term Care Insurance

Long Term Care Insurance Policy Booklet

Describes eligibility requirements, coverages, premium/price tag information, benefits summary..

Download the PDF From Nebraska.edu
Premium/Price Tag Information

Long Term Care Insurance Overview

The long term care insurance plan is underwritten by CNA. This plan provides for a variety of support services for insureds that are unable to care for themselves, whether on a temporary or permanent basis. Group long term care coverage is designed specifically to cover the cost associated with extended long term care services in your home, community based setting, such as adult day care, assisted living facility or nursing home. Premiums are withheld on an after-tax basis.

Insurance and Benefit Provider Information

CNA
http://www.cna.com
Customer Service Number
(877) 895-6759

Forms & Links

Summary of Long Term Care Benefits

Option 1 Option 2 Option 3
Maximum Daily Nursing Home Benefit
Plan pays 100 percent of the benefit chosen. 		$100 $150 $200
Maximum Daily Community-Based Benefit
Plan pays 60% of the nursing home amount. 		$60 $90 $120
Lifetime Maximum Benefit
3 years
5 years
$109,500
182,500
$164,250
273,750
$219,000
365,000
Waiting Period 30 days 30 days 30 days
Guaranteed Benefit Increase
Inflation protection allows you to periodically increase your daily nursing home benefit, (not applicable if the Lifetime Automatic Benefit Increase option is elected). 		Included Included Included
Lifetime Automatic Benefit Increase
Inflation protection increases your daily nursing home benefit 5% each year. 		Optional Optional Optional
Benefit Account
This nonforfeiture provision provides a reduced lifetime maximum benefit should the policy lapse for any reason after three years of participation. 		Optional Optional Optional
Caregiver Benefit
Pays 25% of the daily maximum benefit, up to thirty times each year, whenever an informal caregiver provides services. 		Optional Optional Optional
Return of Premium at Death Benefit
Refunds premiums paid if the insured person dies before age 75. If the individual dies at age 65 or before, CNA refunds 100% of all premiums paid (less any benefits received). After age 65, the amount refunded declines by 10% each year through age 75. 		Optional Optional Optional

Issues to Consider

  • Premiums are based on the insured's age on the effective date of coverage. Therefore, the younger you are when you enter the plan, the lower the premium.
  • New or newly eligible employees may enroll without proving insurability while spouses must apply by completing a Short Form Application and be approved by CNA.
  • After your initial eligibility, enrollment is limited to the annual NUFlex enrollment period unless a Permitted Election Change Event occurs. At that time, both you and your spouse must complete the Short Form Application to enroll for long term care coverage.
  • The long term care plan is not part of the NUFlex benefits program. Enrollment and/or changes will continue, however, to be conducted simultaneously with the NUFlex program as a matter of convenience for both you and the university.
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