Group Long Term Care

Additional Plan Information

Princeton University’s Group Long Term Care plan can help cover the cost of long term or custodial care services. Medicare and private health insurance plans or disability coverage typically do not provide coverage for long term care needs, and this plan can help close that gap. 

The plan is voluntary and the costs are at lower group rates. The plan is administered by CNA Financial Corporation (CNA) and the long term care insurance is underwritten by the Continental Casualty Company, an affiliate of CNA. 

Eligibility & Enrollment

The plan is available to all benefits-eligible regular and non-visiting Dean of Faculty staff members. In addition to being eligible yourself, other eligible individuals include your spouse, same-sex domestic or civil union partner, parents, grandparents, parents-in-law and grandparents-in-law.
You enroll yourself and each person separately, so each person has his or her own policy. If you enroll within 31 days of your hire date or, becoming newly eligible for benefits, you are guaranteed acceptance in the plan. If you do not apply within this time period, you will be required to submit to evidence of good health before being accepted into the plan and coverage will not be guaranteed.
Your spouse, same-sex domestic or civil union partner may also apply for coverage, but they will need to complete CNA’s short-form application available online or in the enrollment kit. All spouse or same–sex domestic or civil union partner coverage is subject to underwriting, and approval is not guaranteed.
Your parents, parents-in-law, grandparents, and grandparents-in-law may apply for group long term care coverage at any time by completing CNA’s long term care form application available online or in the enrollment kit. All coverage is subject to CNA underwriting. 

Covered Benefits

Long term care services may include nursing or personal care assistance in the home or an adult day care center, an assisted living facility or nursing home. All providers of long term care services must be licensed or certified by the State.
To learn more about this benefit, you may request a packet from Human Resources by e-mailing or calling the Benefits Team at 258-3302.
To find out more about the specific benefits covered by the Plan, such as nursing home room rates and in-home care, go to CNA’s website. The password is “Princeton.” You also may call a CNA representative at (866) 357-8481. 

Cost and Plan Administration

If you decide to cover yourself, your spouse, your same-sex domestic or civil union partner, the monthly cost will be deducted through payroll deduction.
If you elect coverage for your parents, grandparents, parents-in-law or grandparents–in–law, they will be directly billed by the plan administrator, CNA.
Rates are based on the plan chosen, additional optional features and the age of the enrollee at the time of enrollment. During the contract period, the premiums do not change unless you decide to purchase additional benefits at a later date.
To receive benefits under the plan, the covered individual is assessed by CNA on his or her ability to perform two of the activities of daily living without human assistance or supervision. These activities include bathing, continence, dressing, eating, toileting or transferring. The assessment also recognizes cognitive impairment of an organic nature, such as Alzheimer’s disease.
You can count on support from knowledgeable and responsive HR staff when you have a benefits question or problem. Just call or e-mail us. We’re here to help! 

While the University intends to continue each of the benefit plans, the University reserves the right to terminate or amend any plan, at any time, and for any reason.