Long Term Care

The objective of this program is to offer employees affordable coverage that will Cactus_Flowers_pinkprovide meaningful benefits for most long-term care expenses. This insurance is intended to complement health care plans by providing benefits for extended care resulting from long-term, chronic illnesses or injuries that Medicare and health care plans are not designed to cover. Long-term care insurance helps offset the costs of care that a person may need at home, in an adult day care center, a nursing home or in an assisted living/residential care facility. Long-term care consists mostly of “custodial care,” or assistance with daily activities, such as bathing and dressing, rather than medical care that would be covered by insurance such as Medicare or a health plan.

Please note that Care or confinement that is the result of a pre-existing condition when such care or confinement begins within six months following your certificate date will not be covered if you apply under the guaranteed acceptance or simplified underwriting.

Provider

Genworth Financial
Website: https://longtermcare.genworth.com/fiveseries/login.do
Ph: (800) 416-3624 (Dedicated NMSU Customer Service line Monday – Friday 6:00am – 6:00pm)

Eligibility

Eligible employees are considered regular status employees and non-regular term appointment employees working 30 hours or more per week. Family members may be eligible for coverage. Official NMSU Retirees are also eligible. Retirees must be less than age 80 at time of enrollment. See Genworth enrollment site for details.

Enrollment

New Hires (within 31 days of date of hire) – guaranteed issue available to new employees working 30 hours or more per week, between the ages of 18 and 65. All other benefit eligible employees will require short form or long form medical underwriting review/approval from Genworth, based on age.

Late Enrollment – requires full medical underwriting and coverage is not guaranteed. Coverage is effective the first of the month after approval is received from the insurance company. Pre-existing limitations apply.

Enrollment must be completed through the Genworth enrollment site. A personal ID and password required. Please contact Human Resources at (575) 646-8000 and be prepared to provide your Aggie ID number.

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