Long-Term Care Insurance Open Enrollment

Currently the State of Maine offers a voluntary long-term care insurance benefit with Aetna. Effective December 1, 2009 the program will be with The Prudential Insurance Company of America.

Open enrollment will be held now through October 30th
Eligible employees enrolling during the open enrollment period will be guaranteed acceptance into the plan without providing medical history.
As with Aetna, the coverage continues to be portable (you can continue the policy after you leave State service)
You can also extend coverage to qualified family members, such as a spouse, parent, or grandparent. (They must provide evidence of good health satisfactory to Prudential.)

“Long-term care” is help or supervision provided for someone with severe cognitive impairment or inability to perform the activities of daily living: bathing, dressing, eating, toileting, transferring, and continence. Services may be provided in a facility or at home—and care may be given by a professional or informal caregiver, such as a friend or family member.

We will be holding a series of informational meetings and webinars. The schedule can be found at http://www.maine.gov/beh . Space is limited so we encourage you to preregister by notifying tina.l.grenier@maine.gov (please include day and time of the meeting you wish to attend).

* Current Aetna participants : You will have the option to either stay with Aetna or switch to Prudential. Prudential will be mailing you a customized package which will include a comparison between your current Aetna policy and a comparable Prudential policy in order to help you make a decision. If you decide to switch to Prudential, that change will become effective April 1, 2010.

For more information or to enroll go to http://www.prudential.com/gltcweb (Group Name: maineltc, Access Code: pinecone) or call 1-800-732-0416.