Long Term Care
Lesley University offers benefit eligible employees and their eligible family members (e.g., spouse, parents, grandparents, siblings, in-laws, etc.) the opportunity to purchase group long term care insurance through Genworth Life Insurance Company.
Under this plan, long term care insurance benefits may be available to covered members who, due to an illness, accident or advancing age, need assistance in carrying out at least two of the normal activities of daily living (such as bathing, eating, dressing, continence, toileting, and transferring).
Long term care insurance provides benefits for services that are typically not covered by traditional medical and disability insurance alone, and helps to address the financial and personal challenges of a long term care need. You have a choice as to the location where your long term care services are received, such as in a long term care facility or at home.
Additionally, you have the option to purchase different dollar amounts of coverage per month, the total coverage amounts and inflation protection. Monthly premiums are determined by your benefit elections and the age of the enrollee at the time of enrollment.
Newly eligible employees can sign up for coverage under streamlined medical underwriting rules depending on his/her age and the plan chosen as long as the application is submitted within 30 days of initial eligibility.
Eligible employees and other eligible family members may enroll in long term care at any other time; however, the long form medical underwriting will be required.
Follow these steps to sign up for coverage:
- Visit the Long Term Care page on the Genworth website
- Enter Group ID: lesleyu
- Access Code: groupltc
The Group Long Term Care Insurance Program Brochure (.PDF) provides additional details about the benefit. You may also contact a Genworth Insurance customer service representative at 1.800.416.3624, or Human Resources at email@example.com
Long Term Disability
Lesley provides all benefits-eligible employees a group long-term disability (LTD) insurance program offered by Unum Group Insurance. LTD insurance begins the first day of the month after you are actively employed, if you have completed the required enrollment forms. LTD benefits are meant to partially replace your income if you cannot perform the material and substantial duties of your job for a period due to extended illness or injury. The elimination period, the amount of time you must be out of work before benefits begin, is 90 days.
If you have an extended injury or illness on either a part- or full-time basis and are considering applying for LTD, you should contact human resources at extension 8787. Human Resources will provide you with additional information, including the contact at Unum so that you may file your claim over the phone. After your initial claim has been filed, your Unum case manager will reach out to Human Resources to get any necessary information, such as job description, pay stubs, and effective dates, if needed. Unum will evaluate the claim and make a decision as to whether you qualify to receive LTD payments.
Refer to the Unum summary plan description booklet, available in Human Resources, for more information.
If approved, Unum will pay a monthly LTD benefit up to 60 percent of your monthly earnings. Regular monthly earnings do not include stipends, overtime payments, or other forms of extra compensation. The maximum monthly benefit that you can receive from Unum is $9,000. Again, LTD benefits begin after the 90-day elimination period has been completed.
Length of Benefit Payment
Benefits are paid up to a maximum period determined by the age at which the disability began. The monthly LTD benefits can stop if it is determined by Unum and/or your physician determine that you are no longer partially or fully disabled or, if you do not provide proof that you are partially or fully disabled when requested by Unum.
All benefits-eligible employees can participate in the LTD and life insurance programs. Employees are considered eligible if they are regularly scheduled to work at least 17.5 hours per week. Additionally, a temporary employee who works at least 17.5 hours per week and is scheduled to work 9 months or longer is considered an eligible employee.
Work study students and adjunct faculty are not eligible for benefits. Eligible employees may participate in these plans the first day of the month following the date of hire, if they have completed the appropriate enrollment form(s). Coverage ends on the last day of employment. LTD and life insurance are not offered to dependents of employees and/or spouses.
Lesley University pays the entire cost of the LTD insurance premium. Therefore, there are no costs associated with enrollment in this benefit.
If your claim is approved, you will be responsible for the employer and employee cost of health and dental premiums and any increase thereafter for a period not to exceed two years. While out on LTD, no paid time off accrues. You must notify Human Resources of the continuation or discontinuation of any benefits.
In addition, an employee approved for LTD will not receive a Cost of Living Adjustment (COLA) to their base wage until they return to active status. The LTD wage is calculated on the compensation at the time of leave from employment.
If you are unable to return to work within 2 years from the date your LTD was approved, you will no longer be considered an active employee at the University.