Calpers long-term care program benefits

To justify the rate increases, CalPERS explains that there is nothing wrong with the program, other than the usual issues that all LTC providers have faced. But that is a half-truth. While the same challenges have been faced by all other LTC providers, there is no evidence that any other insurer has responded with premium increases like those that CalPERS has imposed on its policy holders.

These disclosure failures continue. In the event of financial collapse, what would happen to the thousands of policyholders then in nursing homes or at home receiving benefits and to the over , policyholders who paid premiums for decades? There was no substantive discussion - no member mentioned the court decisions stating that such increases appear to violate policy contracts, or noted the failure to disclose material financial stability information, or asked staff why the CalPERS program has performed so terribly, or opposed the decision as abusive and unethical.

While this sounds insane, to CalPERS it is just what is required to balance their not-for-profit books. Warning: JavaScript is required to use all features after you login. Please enable JavaScript or use a different browser.

Login Button. Go Back. In addition to the plan and coverage amounts you initially select, optional benefits address the impact of inflation, increasing costs of long-term care and maintaining your total coverage amount. The options allow you to tailor a plan to meet future needs. California public employees include, but are not limited to, those employed by the state of California and all state departments, state Assembly and Senate, judicial systems, school districts, cities, counties, special districts, public universities and community colleges.

Eligible family members may apply to the CalPERS Long-Term Care Program even if the public employee or retiree that makes them eligible does not apply or is not approved for coverage.

Applicants must pass underwriting in order to be approved for coverage. Covered Expenses CalPERS Long-Term Care coverage pays for qualified long-term care services you receive at home, from an approved independent provider or home health agency, or in a facility. Both plans offer a broad set of Standard Benefits that include both home and facility care. Home LTC Basics. Standard Benefits Text Size:. Warning: JavaScript is required to use all features after you login. Please enable JavaScript or use a different browser.