MMC Benefits Handbook
You have the option to apply to enroll for Long-Term Care Insurance coverage.
New employees have 90 days from their eligibility date to apply to enroll without submitting Evidence of Insurability. In order to apply to enroll and for your coverage to take effect, you must be Actively-At-Work. You can apply to enroll outside of the 90 day new hire window, but you will be required to provide Evidence of Insurability.
Your eligible family members always need to provide Evidence of Insurability.
All eligible persons must be at least 18 years of age, maintain a permanent United States residence and have a valid Social Security number or tax identification number issued by the United States government.
How do I enroll myself and my eligible family members for coverage?
New hires applying to enroll in Long Term Care Insurance within the 90 day new hire window can apply to enroll by completing an online or paper application form. Their spouses or approved Domestic Partners under the age of 66 may apply to enroll 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, spouses and approved Domestic Partners applying outside of the 90 day new hire window and eligible family members other than your spouse or approved Domestic Partner applying at any time, are required to fill out a paper application which is available through Genworth. Your eligible family members always need to provide Evidence of Insurability.
Can I enroll myself and my family members after the 90 day new hire window?
If you missed the new hire enrollment period, you can apply for coverage any time during the year; Evidence of Insurability is required. Eligible family members may also apply at anytime throughout the year, to the extent permissible by state insurance regulations.
Evidence of Insurability is required for eligible family members.
Do my dependents and I have to re-enroll every year?
The Long Term Care Insurance coverage carries over from one year to the next, so you don't have to enroll each year.
Do I need an ID card?
You will not be sent an ID card. Each insured person will be sent a Certificate of Insurance. You can contact Genworth if you need a replacement Certificate of Insurance.