Long Term Care insurance is available to all benefit-eligible employees at the University of West Florida working at least 30 hours per week. Coverage is not available to Other Personal Services (OPS) employees. Employees pay the full premium amount on a post-tax basis. Employees are guaranteed coverage during their first sixty days of employment up to a $9000 monthly benefit. Additional coverage is available by submitting the evidence of insurability application. Employees and eligible family members are allowed to enroll at any time by submitting the enrollment form with the evidence of insurability application.
Long-term care insurance provides coverage to individuals who are unable to perform at least two activities of daily living or to someone who has severe cognitive impairment. This coverage may be used to cover expenses relating to care in a skilled nursing facility or home based care. There are four coverage plans available that offer long-term care facility coverage, professional home care, total home care and simple inflation protection. The facility monthly benefit amount available is from $1000 to $9000 (in thousand dollar increments) and the benefit duration options are three years, five years or unlimited.