{"id":242,"date":"2018-01-24T21:37:27","date_gmt":"2018-01-25T03:37:27","guid":{"rendered":"https:\/\/www.macalester.edu\/employment-services\/longtermcare\/"},"modified":"2024-10-25T13:18:43","modified_gmt":"2024-10-25T18:18:43","slug":"long-term-care","status":"publish","type":"page","link":"https:\/\/www.macalester.edu\/human-resources\/benefits\/long-term-care\/","title":{"rendered":"Long Term Care Insurance"},"content":{"rendered":"<p>Long Term <span style=\"font-weight: 400\">Care, underwritten by LifeSecure Insurance Company, provides assistance for basic daily activities including eating, bathing, dressing, transferring, toileting,&nbsp; health and safety supervision, and more. The need for Long Term Care may develop from things such as an accident, illness, stroke, advanced age or other chronic conditions such as Alzheimer\u2019s, Dementia or Parkinson\u2019s disease. Long Term Care consists mainly of personal care rather than medical care, which is typically covered by a health plan.<\/span><\/p>\n\n\n<accordion-container\n    tag=\"section\"\n    class=\"accordion-group block-container\"\n    >\t\n\t<div class=\"accordion-group__outer\">\n\t    \t    <ul class=\"accordion-group__list\">\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-1\"\n\t                        id=\"accordion-group-heading-button-1\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Enrollment<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-1\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p><!-- wp:paragraph --><\/p>\n<p>If you wish to apply for coverage, you would be responsible for paying all premiums for this benefit.\u00a0 Premiums vary based upon the amount of coverage you select, your age, and if your spouse\/partner also applies. \u00a0\u00a0The premiums you pay may be eligible for a long-term care insurance tax credit on your state income tax return.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>If you have a Health Savings Account, you can reimburse yourself using pre-tax dollars from your HSA for LTC premiums paid. Please consult your tax advisor to determine your potential tax benefits.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>For more information about the coverage options available to you and your spouse\/partner, premium rates, or for assistance with running a quote or applying for coverage, please call 日韩精品\u2019s dedicated Long-Term Care consultant, Rex Kohl, at: <strong>(612) 719-1707\u00a0<\/strong>or by email at rex.kohl@usi.com.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>The 日韩精品 Group Number is: <strong>02513V<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-2\"\n\t                        id=\"accordion-group-heading-button-2\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Frequently Asked Questions<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-2\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p><!-- wp:heading {\"level\":3} --><\/p>\n<h3>Where can Long Term Care be provided?<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:list --><\/p>\n<ul>\n<li>In your own home<\/li>\n<li>At an adult day care center<\/li>\n<li>In an assisted living facility or nursing home<\/li>\n<\/ul>\n<p><!-- \/wp:list --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3>What does Long Term Care Insurance typically cover?<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:list --><\/p>\n<ul>\n<li>Custodial care when recovery is unlikely<\/li>\n<li>Home care and assistance with daily tasks such as eating, bathing and dressing<\/li>\n<li>日韩精品s to an adult day care center to provide respite care for caregivers<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-3\"\n\t                        id=\"accordion-group-heading-button-3\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Resources<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-3\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><ul id=\"block-bb8e622c-091f-4e53-bd50-40b509c94d79\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected wp-block-list rich-text\" role=\"document\" aria-label=\"Block: List\" data-block=\"bb8e622c-091f-4e53-bd50-40b509c94d79\" data-type=\"core\/list\" data-title=\"List\">\n<li><strong data-rich-text-format-boundary=\"true\">LifeSecure Group #:<\/strong> 02513V<\/li>\n<li><strong>Dedicated Phone #:<\/strong> (612) 719-1707<\/li>\n<li><strong>Email Address:\u00a0<\/strong>rex.kohl@usi.com<\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/03\/LifeSecure_What-to-Expect-After-Applying-for-LTC.pdf\">What to Expect After You Apply for LTC Insurance (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/03\/LifeSecure_Why-should-you-consider-LTC-Insurance.pdf\">Understanding the Risk: Why Should you Consider LTC Insurance (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/03\/LifeSecure_LTC_Can-you-afford-to-pay-for-care.pdf\">Can You Afford to Pay for Care? (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/03\/LifeSecure-Overview.pdf\">Resources for planning ahead (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/03\/LifeSecure_LTC_3-0_Plan-at-a-Glance_Flyer.pdf\">LTC Product Overview Flyer (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/03\/LifeSecure_LTC_Worksite_Monthly_Rates.pdf\">Sample Premium Rates (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2024\/10\/Submitting-E-Application.pdf\">Directions on how to submit an E-Application through LifeSecure Self-Service Portal<\/a><\/li>\n<\/ul><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t    <\/ul>\n\t<\/div>\n<\/accordion-container>","protected":false},"excerpt":{"rendered":"<p>Long Term Care, underwritten by LifeSecure Insurance Company, provides assistance for basic daily activities including eating, bathing, dressing, transferring, toileting,&nbsp; health and safety supervision, and more. The need for Long Term Care may develop from things such as an accident, illness, stroke, advanced age or other chronic conditions such as Alzheimer\u2019s, Dementia or Parkinson\u2019s disease. [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":2106,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-242","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/242","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=242"}],"version-history":[{"count":28,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/242\/revisions"}],"predecessor-version":[{"id":7075,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/242\/revisions\/7075"}],"up":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/2106"}],"wp:attachment":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=242"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}