Long-Term Care Insurance
New Offering Through LifeSecure!
It's Important to Plan Ahead
What would happen if you were suddenly unable to perform simple activities that most of us take for granted every day – such as eating, dressing, and bathing? What if it became apparent that you needed help to complete your basic, everyday tasks? Who would provide your care, and where would you live? And most importantly, could you afford to pay for it?
Many people require some amount of long-term care services as they age. But a serious illness, disability, or accident could also cause someone much younger to need long-term care as well. Planning for the potential cost of long-term care is something that everyone should consider.
LifeSecure can be there to help cover the cost of the care you may need. While it’s difficult for healthy adults to think about needing such care, the potential for risk is real.
Without a long-term care insurance plan in place, your care options may be limited and potential expenses could result in significant out-of-pocket costs – affecting your savings and assets. Long-term care insurance was designed to provide an alternative solution. And LifeSecure can make it simpler and more affordable than you might think.
Please watch the Individual Long-Term Care Insurance video for more information on this benefit.
To learn more, click on the following links to download a brochure from LifeSecure:
Individual Long-Term Care Insurance Educational Overview
Individual Long-Term Care Insurance Product Overview
Individual Long-Term Care Common Myths
Individual Long-Term Care: At-a-Glance
Individual Long-Term Care Information for New Hires
Individual Long-Term Care Insurance may be more affordable than you think. There are a variety of options available to tailor a plan that best suits your individual needs or the needs of your family or budget. Call the Individual Long-Term Care enrollment center at 844-235-3344 to talk one-on-one with an Individual Long-Term Care enrollment counselor who can answer your questions and help you apply.
Active employees working 20 hours per week within the first 90 days of consecutive employment are eligible to apply and pass through reduced underwriting. Otherwise, you must pass full medical underwriting. Non-career employees are not eligible to enroll in this optional coverage. When both you and your spouse are eligible for insurance under this policy as an Employee, you may each enroll either as an Employee or the Dependent of an Employee, but not both.
Retirees included in the following retirement systems are eligible to enroll: State Employees Retirement System (SERS), State Police Retirement System (SPRS), Judges Retirement System (JRS), Military Retirement System (MRS), and Legislative Retirement System (LRS).
All family members of benefit-eligible, active employees or retirees may apply through full medical underwriting. Eligible family members include: spouses/partners, parents, grandparents, in-laws, adult children (18 and over) and siblings.
Active employees can apply for Individual Long-Term Care Insurance at any time throughout the year through full medical underwriting by calling 844-235-3344. New hires may apply through reduced underwriting during the first 90-days of consecutive employment.
Retirees can apply for Individual Long-Term Care Insurance any time throughout the year beginning June 1, 2017, either online at www.groupltci.com/som-retirees or by calling 844-235-3344. Please note full medical underwriting is required.
This is not a payroll deducted insurance plan. Premiums for this plan must be paid to LifeSecure via direct billing.
Limitations & Exclusions
The policy will not pay benefits for care, treatment, services or charges: for a loss that occurs while the policy is not in force; for alcoholism or drug addiction (in SD, for the rehabilitation of alcoholism or drug addiction), except for an addiction to a prescribed medication administered on the advice of a Physician*; due to declared or undeclared war or act of war; due to participation in a felony, riot or insurrection or involvement in an illegal occupation**; due to suicide, attempted suicide or intentionally self-inflicted injury; that are reimbursable under Medicare, or would be so reimbursable but for the application of a deductible or coinsurance amount; that are reimbursable (in SD, paid or provided) or provided under a governmental program (except Medicaid), any state or federal workers’ compensation, employer’s liability or occupational disease law; provided outside the United States, Canada or their territories or possessions, except as provided under the International Coverage Benefit; for which no charge is made in the absence of insurance, except as provided under the Flexible Benefit; or provided by an Immediate Family member (except as provided under the Flexible Benefit), unless: he or she is a regular employee of an organization which is providing the care, treatment or service; he or she receives no compensation other than the normal compensation for employees in his or her job category; and the organization receives the payment for the care, treatment, service or charge.
* In CT, for confinement due to alcoholism or drug addiction, except for confinement due to an addiction to a prescribed medication administered on the advice of a Physician.
** Not applicable in CT.
File an Individual Long-Term Care Insurance Claim
To file an individual long-term insurance claim with LifeSecure, you must notify LifeSecure of your claim request by calling 888-575-8246 or writing to:
LifeSecure Administrative Office
ATTN: Claims Department
P.O. Box 1420
Brighton, MI 48116
Enrollment in Group Long-Term Care Insurance with Prudential is now closed
After an extensive review of its Group Long-Term Care Insurance (GLTCI), Prudential has informed the State of Michigan they have discontinued new sales of GLTCI policies. The primary reasons provided by Prudential are the continued low interest rate environment, the desire to achieve appropriate returns, to enhance long-term risk profile, and to further the company's longer-term goal of sustainable, profitable growth in its core group life and disability lines of business.
Current policyholders will continue to be covered under the terms and conditions of their Prudential group long-term care insurance certificates, which are guaranteed renewable.
- Your current rate is guaranteed not to increase through January 31, 2019.
- The State of Michigan will continue to process payroll and pension deductions.
- Existing employee and retiree participants will continue to receive inflation offers or automatic inflation increases and will have the ability to decrease coverage at any time. Benefit increases are no longer allowed by Prudential.
- Effective July 1, 2013, Prudential is no longer accepting new applications.
Other Helpful Group Long-Term Care Insurance Information
Prudential Group Long-Term Care Certificate
MetLife is the previous carrier for the State of Michigan Long-Term Care Insurance. If you are enrolled in this plan and have questions about your plan, call MetLife Customer Service at 1-800-438-6388, Monday - Friday, 8am - 8pm ET, for assistance.