MMC Benefits Handbook
The Plan at a Glance
The Long Term Care Insurance Plan helps you pay for the care you or a family member could require as a result of an illness, an accident, or age. For more information, see "How the Plan Works."
Plan Feature
Highlights
How the Plan Works
  • This plan helps you pay for the care you or a family member could require as a result of an illness, an accident, or age. This care may be needed for a lengthy period of time, either in your home or in a facility that provides long-term care.
Eligibility
  • You are eligible to participate in this program if you meet the eligibility requirements described below.
  • See "Participating in the Plan" for details.
Family Eligibility
  • Your spouse/approved Domestic Partner and certain eligible family members, to the extent permissible by state insurance regulations, are also eligible to apply for coverage.
  • See "Participating in the Plan" for details.
Enrollment
  • Eligible new hires have 90 days from date of eligibility to apply to enroll for coverage without submitting Evidence of Insurability. You must be Actively-At-Work at the time you apply and on your effective date of coverage. Your eligible family members always need to provide Evidence of Insurability.
  • New hires may apply to enroll for the Long Term Care Insurance Plan within the 90 day new hire window by completing an online or paper application form. Their spouses or approved Domestic Partners under the age of 66 may apply by completing a short-form online or paper application. The short-form application contains a short health questionnaire. Based on the spouse's or Domestic Partner's answers, medical records may be required and in some instances, a 20 to 30 minute telephone interview may also be required. Employees applying outside of the 90 day new hire window, as well as their spouses or approved Domestic Partners, aged 66 through 79 and eligible family members under the age of 80, need to fill out a paper enrollment form which may be downloaded at the www.mmcvoluntarybenefits.com and/or by requesting an Information Kit through Genworth.
  • Once your application to enroll has been approved, you may view your deduction amount by going to Voluntary Benefits (www.mmcvoluntarybenefits.com). If you wish to change coverage, where eligible, you must contact the Plan Administrator.
Cost of Coverage
  • The cost of coverage is based on the options selected and the age of the applicant.
  • Each covered family member has his or her own cost based on the above factors.
Levels of Coverage
  • You can create a personalized plan by choosing from these levels or options of coverage.
  • Four Levels of the Facility Care Maximum:
    • $3,000 monthly benefit option
    • $6,000 monthly benefit option
    • $9,000 monthly benefit option
    • $12,000 monthly benefit option
  • Two Optional Levels of Coverage:
    • 3 years (36 months), 75% Home & Community Care
    • 5 years (60 months), 75% Home & Community Care
    • Informal Benefit Included: For maintenance or personal care services provided in the insured's home, by someone who does not normally reside there, a daily benefit up to 1% of the Facility Care Maximum, up to 30 days per calendar year
    • Nonforfeiture Benefit Included: The Nonforfeiture Benefit allows the insured to retain partial coverage if he or she decides to cancel his or her long term care coverage after it has been in force for more than three years.
  • Three Inflation Protection Options
    • Buy More Coverage Over Time (Future Purchase Option Benefit)
    • Automatic 3% Compound Benefit Increases for Life
    • Automatic 5% Compound Benefit Increases for Life
Contact Information
Long Term Care Insurance is underwritten by Genworth Life Insurance Company in all states except NY. For NY Residents it is underwritten by Genworth Life Insurance Company of New York (together, Genworth).
For more information, contact:
Genworth Life Insurance Company
Phone: +1 800 416 3624
Website: www.mmcvoluntarybenefits.com
Marsh & McLennan Companies does not administer this Plan. Genworth's decisions are final and binding.