Long Term Care Insurance
Effective July 1, 2013, Duke will no longer offer a Group Long Term Care Insurance plan. Please use the information and resources below to seek support for existing coverage or assist you in selecting an individual long term care product.
Existing Policy Holders:
In 2012, Prudential announced it would discontinue sales of its group long-term care (LTC) insurance products, effective July 1, 2013. Existing group LTC insurance certificate holders will continue to be covered under the terms of their Prudential group LTC certificates, which are guaranteed renewable. This means that as long as premiums are paid on time and benefits are not exhausted coverage cannot be cancelled, although premiums can be changed based on experience, on a class basis, in accordance with the terms and conditions of the certificate.
Clients and certificate holders will continue to receive customer service and claims support through Prudential Customer Service: 1-800-732-0416, available Monday through Friday from 8 a.m. to 8 p.m. (EST).
Existing policy holders may continue the insurance by paying the premium for the coverage while on an unpaid leave of absence, sabbatical, or lay off status. They may also continue the insurance at retirement or termination by paying the premiums directly to Prudential.
When Coverage Ends
Coverage may be lost for failing to pay the premium. Additional circumstances which may result in ineligibility for benefits or loss of coverage under the plan are outlined in the certificate of insurance issued by Prudential.
Information For Those Seeking Coverage
Duke no longer offers Long Term Care insurance, but below are resources to help you assess options for coverage.
National Association of Insurance Commissioners
The mission of the NAIC is to assist state insurance regulators, individually and collectively, in serving the public interest. For more information, view the Long Term Care Insurance Shopper's Guide (pdf).
National Clearinghouse for Long Term Care Information
The U.S. Department of Health and Human Services developed this website to provide information and resources to help families plan for future long term care needs.
National Care Planning Council
The goal of the National Care Planning Council has been to educate the public on the importance of planning for long term care.
North Carolina Partnership Program for Long Term Care Insurance
The North Carolina Department of Insurance has a website to help consumers learn more about the state’s Partnership program for long term care insurance.