Long Term Care FAQs

• For my spouse to be enrolled, do I need to be enrolled?
  – No, but keep in mind your spouse will need to submit an evidence of insurability form with their application.
• Can I decide to purchase LTC insurance at a later date?
  – Yes. However, you will need to submit an evidence of insurability form with your application when you decide to purchase. Should you become ill or disabled and then apply it may affect your ability to qualify.
• What are the premiums?
  – Premiums are determined based on your age, a rate sheet will be provided to you with the enrollment package.
• Will my disability benefits be reduced by any amount of benefit I receive from LTC insurance?
  – No. LTC insurance benefits are payable in addition to any benefits you may receive from disability.
• Won’t my disability benefits already cover any long term care needs?
  – No. Disability insurance is designed to replace your income in the event that you are unable to work. LTC insurance is designed to help pay for the costs of long term, chronic care.
• What if I leave the Firm?
  – LTC benefits are fully portable. You will have the option to continue your coverage with the cost remaining level, including the discount you received through the Paul Hastings Plan. To continue your coverage, you must complete and sign the “Continuation of Coverage” form within 90 days of your termination date.