Long Term Care Guide

Prepared By Wallace W. Roepke, NARFE Florida Federation Legislative Officer, Sarasota Chapter 242 and Gladys M. Green, Service Officer, Englewood/Venice Chapter 717

A printable version in Adobe PDF format is available here. It is 129 kilobytes, so allow time for the download. You can save it directly to your hard drive by right clicking on the underlined text, or open it in your browser window, then save or print it from the Adobe Reader window called up by your browser. You can obtain the Adobe Reader from www.adobe.com.

You can reach the Program Administrators web page here: LTC Partners Home Page. If you want to get on a mailing list for further information or go to the OPM Program web site, go here: Federal Long Term Care Insurance Program.
 

A.  INTRODUCTION

1. Long-Term Care Security Act

2. Eligibility

3. Type of Coverage

4. When Coverage Will Begin

5. Medicare/Medicaid and LTC

6. Continuing Care Retirement Communities

B.  UNDERWRITING OPTIONS

1. Full Underwriting

2. Guarantee Issue Underwriting

3. Modified Guarantee Issue Underwriting

4. Short Form Underwriting

5. NARFE Questions Fairness of Underwriting Standards

6. Nonstandard Policies for Individuals with Disabilities

C.  BENEFIT CHOICES

1. Weekly Benefit

2. Length of Policy

3. Pool of Money

4. Waiting Period

5. Inflation Protection

D.  BENEFIT LEVELS

1. Up to 100 percent

2. Up to 50 percent

3. Care Coordination Program

4. When Benefits Start

E.  PREMIUMS

1. Age When Coverage is Purchased

2. Type of Benefit Choices

3. Method of Payment

4. No Matching Government Contribution

5. Coverage Guaranteed Renewable

6. Coverage Fully Portable

7. No premium after Benefits Begin

F.  TAX TREATMENT

1. Premiums Deductible as Medical Expenses

2. Congress Considering H.R. 831 and S. 627

G.  OTHER OPTIONS

1. Limited Payment Plans

2. Spousal Discounts

3. Policy Downgrades

H.  OTHER PROGRAM FEATURES

1. Advantages of LTC for Federal Family

2. Third Party Review of  Claims Disputes

3. Open Season

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