Overview

It's the kind of care that isn't really covered by any medical or disability income insurance, or even to any great extent by Medicare.

It is needed when someone becomes unable to care for themselves on their own and requires help doing the "everyday things" we all take for granted, like dressing, eating and bathing. That can happen as the result of a stroke, paralyzing accident or serious illness. Just as it sounds, long-term care is about needing care for a lengthy period of time, either in your home or in a facility that provides long-term care services.

You can cover yourself, your spouse, your eligible domestic partner, your parents, parents-in-law, grandparents or grandparents-in-law. There are two types and five levels of coverage from which to choose comprehensive and nursing home care. You also have the opportunity to purchase a non-forfeiture option that may provide a daily benefit even if you discontinue your participation in the plan after three (3) years.

Enrollment

New employees who enroll for long-term care coverage within ninety (90) days of hire do not need to provide proof of good health to MetLife. However, all employees can enroll in, increase, or cancel long-term care coverage at any time. There is no need to wait for open enrollment.

• Employees can enroll during special enrollment with guaranteed coverage (no proof of good health required).
• There will be a special enrollment period from January 18 - March 11, 2005 with guaranteed coverage.

Resources & Links

Here are some recent communications from MetLife® regarding Long-term Care:

• CareMatters - Independent Caregivers
• CareMatters - Medications
• Since You Care - Choosing Assisting Living
• Since You Care - Nursing Home Choice
• If You're In Your 30's or 40's, Read This
• If You're In Your 50's or 60's, Read This
• More Facts About Long-term Care
• Quick Facts, October 2004

Participation in this employee-paid program is strictly voluntary. Moreover, DaimlerChrysler Corporation is not responsible for the design, accuracy, effectiveness or quality of the products or services offered nor do the product offerings imply an endorsement by DaimlerChrysler Corporation. DaimlerChrysler Corporation receives fees for administration of this program. DaimlerChrysler Insurance Company Inc., a DaimlerChrysler affiliate, will serve as an agent of record for this program.