Long-Term Care Insurance and Disability Benefits

Long-Term Care Insurance

An accident, illness or chronic disease can strike anyone—and at any age. If it happens to you or your loved ones, will you be financially prepared? Our long-term care benefit can help. In partnership with Genworth Financial, Penn offers retirees (and your eligible family members) long-term care insurance to help you cover some of the costs of long-term care services received at home, in the community or in a nursing facility. Find complete details on Penn’s long-term care benefit.

Disability Benefits

Coverage under the short-term disability (STD) program and the long-term disability (LTD) program stops after your final day of employment. If you are disabled on or before your final day of employment, LTD payments to you will continue as follows:

If your disability started on or after your 60th birthday, and you are receiving disability benefits, these payments may continue for up to a maximum of 60 months.

If your disability started before your 60th birthday, LTD payments will continue while you are disabled, but not beyond the month in which you reach age 65.

In all cases, LTD benefit payments will stop when you are no longer totally disabled, or you fail to furnish proof of your continuing total disability to Aetna, our carrier who determines continued eligibility for payments.