Long-Term Care

The Relief provides a long-term care benefit through Unum for active and retired members enrolled in the Relief PPO Medical Plan. Long-term care insurance helps pay for the care you need when you can no longer care for yourself and will help protect your family’s financial future and your own investments and savings. Long-term care (LTC) is personal care and other related services provided on an extended basis to people who need help with specific everyday activities or who need supervision due to a severe cognitive impairment, such as Alzheimer’s disease.

Core LTC Benefit for Active Members
Active members enrolled in the PPO Medical Plan are automatically enrolled in the LTC Core Plan which provides a $1,500 monthly benefit for facility or home care up to two years after a 90-day elimination period. Core coverage is guaranteed and paid for by the Los Angeles Firemen’s Relief Association.

Core LTC Benefit for Retired Members and Surviving Spouses
Retired members and surviving spouses can apply for coverage in the LTC Core Plan which provides a $1,500 monthly benefit for facility or home care up to two years after a 90-day elimination period. You must complete a Group Application which includes a statement of health and medical underwriting. If you are approved for coverage, the Relief Association will contribute $9.15 per month toward the cost of LTC Core Plan coverage.

Buy-up LTC Options
Because there is no one-size-fits-all when it comes to LTC coverage, buy-up options are available (upon approval of medical underwriting) including higher monthly benefits, longer benefit duration periods and cost of living adjustments for you and your eligible family members as shown below. Family members include your spouse, children, parents, parents-in-law, grandparents and siblings.

How to Enroll
For enrollment information, forms and the rate calculator, please visit LAFRALTCenroll.com.

For More Information
To learn more about your LTC insurance, download the FAQ pamphlet, call Unum at (800) 227-4165 and visit the web site LAFRALTC.com and click on the seminar tab.