One of the insurers for the long term care program offered to PERA members and retirees, Penn Treaty, announced on Friday, October 3, 2008, that it is suspending sales of new policies. Penn Treaty's subsidiary, American Network Insurance Company ("ANIC"), will not issue any new long-term care policies as of October 3. Therefore, PERA retirees, members and eligible family members who are not already participants in the long-term care program cannot sign-up for new policies today or in the near-term. The current policies issued by ANIC and Penn Treaty will continue to be serviced and renewed for the foreseeable future. We apologize for any inconvenience and ensure you that PERA will make every effort to restore access to a quality long-term care insurance program for the benefit of our retirees, our members and their families.

Welcome to the Long Term Care (LTC) Program for PERA members, retirees, and their eligible family members. You may apply for coverage at any time – there is no open enrollment period or deadline. But keep in mind that rates increase with age, and that a change in your health status may affect whether or not your application is approved. The sooner you begin the process of enrolling, the sooner you can be protected by the benefits offered by your Long Term Care Program.

This LTC Program is available exclusively to PERA members, retirees, spouses, parents, parents-in-law, grandparents, grandparents-in-law, and children age 18 and older. It offers a variety of innovative benefit options, and enables you to customize your program to meet your individual needs. If you would like assistance in designing a program that will work for you and your family, please call 1-888-PERA-LTC (1-888-737-2582) or click here to order an enrollment kit. Licensed professional insurance agents are available to talk with you. If you wish, you may also set up an appointment with an agent to review the benefits with you, answer any questions you may have about long term care, and help you fill out an application.

Long term care is the care necessary when a chronic illness or accident results in your requiring assistance with activities of daily living (ADLs) such as bathing,dressing, eating, or other personal care. Long term care services can also include home health care benefits and assisted living benefits. Long term care coverage can allow individuals to "age in place" in their own homes, and avoid or delay the need for a move to an assisted living facility.

The need for long term care can arise suddenly and unexpectedly, such as through an injury or accident, or gradually through the aging process. Generally, Medicare only covers a small portion of LTC expenses and health insurance plans do not cover long term care at all. Individuals must pay for the majority of long term care costs from their own savings, or rely on Medicaid or other state/federal programs if they have no savings or assets. Increasing numbers of individuals are purchasing long term care insurance to protect themselves and their families, and to ensure that they can have access to the kind of long term care that they and their family members want.

As with any insurance product, the time to buy the insurance is before the need arises. In that respect, long term care insurance is like auto insurance or homeowners insurance or life insurance – you need to buy the insurance before the events that you are protecting yourself against occur.

The LTC Program offered to PERA members, retirees, and their family members is managed by U. S. Care, one of the nation’s oldest and largest long term care companies. When the PERA Board of Trustees determined that it wanted to make a LTC Program available to PERA members and retirees, they chose U.S. Care to manage the program. U.S. Care, as PERA’s Program Manager, contracts with insurance companies that offer LTC insurance to large groups like PERA’s. From 1998 through 1999, the insurer for the program offered to PERA members was MedAmerica; beginning in 2000, Penn Treaty and its network of companies began insuring the LTC Program. American Network Insurance Company (ANIC), a sister company of Penn Treaty, is the current insurer.

PERA members and retirees have the advantages available through a group program and the purchasing power of a large group. To keep the program even more affordable, each LTC Program is a fully insured and individually underwritten policy, thus an application must be completed and accepted by a licensed insurance agent. The process is easy for PERA members who are working; the application is slightly longer for retirees and other eligible family members. Licensed professional agents are available to assist you in completing your application, either in their office or in your home.

Active Members – Simplified Issue

Active members complete a short application that includes only five medical questions.

Working Spouses of Active Members
– Simplified Issue

Spouses who work 30 hours or more per week complete the same simplified issue application as active members. Spouses who do not work at least 30 hours per week complete a full underwriting questionnaire.

Retirees, Inactive Members and other eligible family members
– Full Underwriting

Retirees, inactive members and other eligible family members complete a full underwriting questionnaire.

Active members, retirees, inactive members and eligible family members from 18-89 years of age can apply for coverage under the LTC Program insured by American Network Insurance Company (ANIC). Those over 89 years of age can apply for coverage under the program insured by MedAmerica. The MedAmerica Program is still open to all members, retirees, inactive members and eligible family members, but is not available to children. If you would like more information about the MedAmerica Program, click here.

U.S. Care, one of the nation's oldest and most experienced Long Term Care companies, manages the Long Term Care Program for PERA members, retirees, and eligible family members. U.S. Care is exclusively devoted to the design, development, implementation and administration of Long Term Care (LTC) Programs. U.S. Care is the Program Manager for PERA's Long Term Care Program, which debuted in 1998. U.S. Care is also the Program Manager for a number of large employer groups and statewide clients. U.S. Care has served as Program Manager for California Public Employees Retirement System (CalPERS), Miami-Dade County (FL) Public School Systems, Hewlett-Packard and Agilent Technologies.

U.S. Care pioneered the development of quality protocols for long term care and has been in the forefront of the development of innovative long term care benefits for over 35 years. A leader in care management, U.S. Care has established programs, products and services that promote financial protection, personal independence and peace of mind for those facing the long term care challenge. Please go to U.S. Care's web site for more information.

Your Long Term Care Program is insured by American Network Insurance Company which is a subsidiary of Penn Treaty American Corporation. Since 1972, the Penn Treaty American Corporation Family of Companies ("Penn Treaty") have been insuring, marketing and selling long term care insurance products. Over 98% of Penn Treaty's business is long term care insurance. Penn Treaty's national sales force is 40,000 members strong. Click here for more information.

To order and enrollment kit call Your Benefit Specialists at the toll-free number:
1-888-PERA-LTC (1-888-737-2582)


Click here

U.S. Care, Inc.
3130 Wilshire Boulevard
Santa Monica, CA 91403

Click here to E-mail U.S. Care.

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