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Long-Term Care Insurance

Newly hired eligible employees may apply for LifeSecure Long-Term Care Insurance (LTCI) with reduced underwriting within their first 90 days of consecutive employment.

Eligible employees who are outside of their first 90 days of employment can apply for LifeSecure LTCI with full underwriting at any time throughout the year by visiting

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 by visiting

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.

Review the LifeSecure Educational Overview, New Hire flyer, & LTC At-a-Glance documents by visiting, locate the section on the bottom right of the page "Long-Term Care (LTC) Insurance," then select the drop down "Individual Long-Term Care Insurance - LifeSecure."

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.


Employee Eligibility
Active employees working 20 hours per week and are within the first 90 days of consecutive employment can 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.

Retiree Eligibility
After an extensive review of its Individual Long-Term Care Insurance (LTCI), LifeSecure has informed the State of Michigan they have discontinued retiree eligibility.

Current policyholders will continue to be covered under the terms and conditions of their LifeSecure Individual LTCI certificates.

Dependent Eligibility
Spouses of benefit-eligible, active employees may apply through full medical underwriting. Eligible dependents include: spouses/partners.

Visit the Long-Term Care enrollment website at to learn more, apply online, and get pricing information.

Call the Long-Term Care enrollment center at 844-235-3344 to talk one-on-one with a Long-Term Care enrollment counselor who can answer your questions and help you apply.

Paying Premiums

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

Group Long-Term Care Insurance (GLTCI), with Prudential discontinued new GLTCI policies as of June 30, 2013. Current policyholders will continue to be covered under the terms and conditions of their Prudential GLTCI certificates, which are guaranteed renewable. Premiums for these policy holders were guaranteed through February 1, 2019; after that time premiums are subject to change.

  • 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.

Group Long-Term Care Insurance Information

Review the Prudential Long-Term Care Certificate by visiting, locate the section on the bottom right of the page "Long-Term Care (LTC) Insurance," then select the drop down "Individual Long-Term Care Insurance - Prudential (Closed plan)."

If you have questions about your Prudential Group Long-Term Care plan, visit or contact the Prudential Group Long-Term Care Customer Service Center at 1-800-732-0416, Monday through Friday, 8:00 a.m. - 8:00 p.m. ET, for assistance.

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, 8:00 a.m. through 8:00 p.m. ET, for assistance.

MetLife Individual Long-Term Care (LTC) Policies Insurance Rate Increase Notice

After a careful review, MetLife has found that a premium increase is necessary to continue providing long term care coverage for policy holders. Premiums are not being increased due to changes in personal health, age or claims history. If your policy is to experience a rate increase, MetLife will send you notice in the mail after September 13, 2021. The letter will include your current premium, your new premium, the percentage of increase, and the increase effective date (12/1/2021).

As a policy holder, if you do not want to make any changes to your benefits in response to the rate increase, no action on your part is required and your new premium will become effective on December 1, 2021. If you would like to exercise your right to non-forfeiture options listed within the letter please complete and return the form as instructed within the letter.

If you have further questions please contact MetLife at 1-800-438-6388, Monday - Friday, 8:00 a.m. through 8:00 p.m. ET, for assistance..

Why is MetLife implementing a rate increase?

MetLife monitors in-force policies to ensure they can meet future claim obligations. The premiums charged are influenced by a number of factors, including assumptions on the amount of claims expected to pay, life expectancy of insureds, number of insureds who will lapse coverage, and prevailing interest rates. MetLife's review of the actual experience has resulted in changes to the assumptions used to project future experience and the premium necessary to keep pace with that expected future experience. Unfortunately, the experience trends MetLife, as well as the long-term care insurance industry generally are seeing necessitates that premium rates are increased.