Long Term Care Insurance
Employees have the opportunity to purchase group long term care insurance. This insurance covers expenses incurred in skilled and intermediate nursing homes as well as home health care and adult day care expenses. A variety of daily and lifetime payment levels are available.
For more information, please see the Long Term Care Plan Description (PDF).
You are eligible to apply for coverage under the plan if you meet all of the following requirements:
- you are an employee or House staff member,
- you are scheduled to work at least 20 hours per week, and
- you are included in a benefit eligible classification.
Medical questionnaires are required for employees who enroll later than 30 days from their date of hire and for all dependents. Eligibility to enroll is lost if your employment changes to an ineligible status.
Enrolling in the Plan
Coverage may be purchased by the faculty or staff member, spouse/same sex spousal equivalent, adult children age 18 and older, parents and parents-in-law, and grandparents and grandparents-in-law. Enrollment material is available at the Prudential web site (Group Name: dukeltc; password: enrollment) or by calling Prudential's customer service line at 1(800) 732-0416 Monday through Friday from 8 a.m. to 8 p.m. Eastern.
When Coverage Begins
Coverage begins for employees on the first day of the month following the date Prudential receives the completed enrollment form if all of the following conditions are met:
- the enrollee meets all eligibility requirements,
- the enrollee is actively at work on the date coverage is to become effective, and
- the enrollment form is received by Prudential within 30 days of the employee's date of hire.
Employee late applicants, and other eligible family members are required to complete a medical questionnaire which must be approved by Prudential. If the premium will be payroll deducted and the enrollment is approved after the cutoff date for Duke University's monthly payroll deductions, the effective date will be moved forward one month.
- Benefits Payroll Deduction Schedule (for biweekly employees)
Once enrolled, you may continue the insurance by paying the premium for the coverage while you are on an unpaid leave of absence, sabbatical, or lay off status. You 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 your ineligibility for benefits or loss of coverage under the plan are outlined in the certificate of insurance issued by Prudential.
Cost of the Plan
Participants pay the entire premium. Employee participants are payroll-deducted for themselves and their spouses/same-sex spousal equivalents. All other participant are billed directly by Prudential. The amount is determined by the insurance company.