Long Term Care Insurance at the University of Iowa
Eligible Family Members and Underwriting Requirements
ELIGIBLE FAMILY MEMBERS FOR LONG TERM CARE INSURANCE COVERAGE
- US-based, age 18 through age 79
- Spouse/Domestic Partner
- Parents, Parents-in-law, Step-parents, Step-parents in-law
- Grandparents, Grandparents-in-law, Step Grandparents, Step Grandparents-in-law
- Adult Children
- Siblings
UNDERWRITING REQUIREMENTS:
FOR EMPLOYEES:
During Initial Open Enrollment and New Hires:
- No underwriting for Actively at Work, full time employees working at least 20 hours a week for ages 18 through 65; must be actively at work or at least 30 days before coverage goes into effect
- Employees ages 66-69 – Simplified underwriting (short form application)
- 4 questions including height/weight
- Employees ages 70+ - Full underwriting (long form application)
After Initial Enrollment: Full underwriting (long form) for all
FOR SPOUSE/DOMESTIC PARTNER:During Initial Enrollment: Simplified Underwriting (short form) for Spouses/Partners ages 18 - 65
After Initial Enrollment and for Spouses/Partners 66-79: Full underwriting (long form)
FOR OTHER FAMILY MEMBERS (Parents, Grandparents, Siblings)Full Underwriting (long form) at all times for all ages