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FAQs Long-Term Care (LTC) Program
	What is Long-Term Care (LTC)? What is LTC insurance? What are some of the benefits under the LTC Program? What is the difference between Long-Term Care (LTC) Insurance and Long Term Disability (LTD) Insurance? Am I eligible to enroll in the LTC Program? When can I enroll in the LTC Program? How do I enroll in the LTC Program? Can I continue my LTC coverage after I leave City service? Who do I notify if my personal or employment information changes? What if Long-Term Care services get more expensive? What payment methods are available? What is Long-Term Care (LTC)? Long-term care (LTC) is the type of care you might need if you become unable to care for yourself due to disabilities that arise from the natural course of aging, accidents, or chronic illnesses, such as dementia or Alzheimer’s disease. [back to top] What is LTC insurance? LTC insurance is coverage for LTC services that are usually not covered under your health insurance plan. LTC insurance, unlike health insurance, covers services such as custodial care or room and board in a nursing home. [back to top] What are some of the benefits under the LTC Program? Some benefits include nursing home care, hospice care, assisted living and home care. LTC includes services such as: Skilled, intermediate and custodial nursing home care Medical treatment or therapy ordered by a physician and provided by a Registered Nurse or other qualified health care professional Assistance with the activities of daily living, such as bathing, eating or dressing, provided by a qualified home health aide [back to top] What is the difference between Long-Term Care (LTC) Insurance and Long Term Disability (LTD) Insurance? LTC insurance is coverage for services you might need if you become unable to care for yourself. LTD is insurance that will replace a percentage of your salary should you become disabled and unable to perform your daily tasks at work. [back to top] Am I eligible to enroll in the LTC Program? You are eligible to enroll if you are: An active employee* or spouse of an active employee (or surviving spouse) A same or opposite sex domestic partner of an active employee A retiree* or spouse of a retiree (or surviving spouse) A same or opposite sex domestic partner of a retiree An adult child or stepchild over age 18 A parent or parent-in-law A grandparent or grandparent-in-law Employees are eligible to participate in the LTC Program if they are covered by: New York City health insurance, and (i) the Citywide contract, or (ii) the Management Benefits Fund. [back to top] When can I enroll in the LTC Program?* During the Open Enrollment Period which will run through November 10, 2006, active employees will be given the opportunity to enroll in the new LTC Program without having to provide evidence of good health, provided the employee is actively at work (not absent due to illness, disability, or leave) on December 1, 2006, the effective date of coverage. Newly hired employees within 90 days of hire who are actively at work on their effective date do not have to provide evidence of insurability and are guaranteed coverage. Current employees who choose to enroll at anytime other than the initial open enrollment period must provide evidence of insurability to meet underwriting requirements. Retirees and all other eligible family members must provide evidence of insurability to meet underwriting requirements at any time. [back to top] How do I enroll in the LTC Program? You can easily enroll online through MetLife’s LTC Web site or complete an enrollment form and submit it to MetLife. [back to top] Can I continue my LTC coverage after I leave City service? Yes, coverage under the LTC Program is portable, meaning that you may continue your coverage after you leave City service. However, you will be billed directly for your premiums. If you retire and are receiving a pension check, your premiums cannot be deducted from this check. [back to top] Who do I notify if my personal or employment information changes? Please complete a Change Form (click on link below) and submit it to the LTC Administrator. Long-Term Care Insurance Program Change Form [back to top] What if LTC services get more expensive? MetLife offers two inflation options in the LTC Program. Optional Inflation - Every three plan years you will be offered the opportunity to increase your Daily Benefit Amount (DBA) - 5% increase in DBA compounded annually - Premiums for the increase are based on attained age Automatic Inflation - DBA automatically increases by 5% compounded annually - Pre-funded up front so premiums do not increase as benefits increase [back to top] What payment methods are available? Payroll deduction is mandatory for active employees paying premiums for themselves or their spouses or domestic partners. However, Automatic Checking Account Deduction (ACAD) and Direct Bill (Quarterly, Semi-annual, and Annual) are available for retirees and other eligible family members. [back to top]

Employee Assistance Programs (EAPs)
EAPs are staffed by professional counselors who can help employees and their eligible dependents handle problems in areas such as stress, alcoholism, drug abuse, mental health, and family difficulties.

Learn More

	PICA Program
	NYC Employee Blood Program
	Collective Bargaining Agreements
	OPA Web site
	NYC.gov