Long-Term Care

What It Is

Long-Term Care Insurance

The NYSUT Member Benefits Trust-endorsed Long-Term Care Insurance Plan, customized specifically for NYSUT members, offers care planning and coverage for home health care, adult day care, homemaker services, licensed assisted living facilities, nursing home care, hospice care at home or in a licensed hospice care facility, and respite care. Premiums are level, which means premiums remain the same year after year, unless you choose to increase your coverage.

In addition, a special New York State Partnership Plan is available to residents of New York state only. With this plan, you may apply for Medicaid without having to spend down your assets if your long-term care insurance benefits end. The Partnership Plan includes an automatic inflation feature.

For more information or to receive an enrollment kit (that includes sample plans), call the Plan Underwriter, Metropolitan Life Insurance Company, toll-free at 800-638-0133 or visit MetLife Long-Term Care.

The NYSUT Member Benefits Trust-endorsed Long-Term Care Insurance Plan is underwritten by Metropolitan Life Insurance Company, New York, NY.

The MetLife Long-Term Care Insurance Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 2.5% of gross quarterly premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to the plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.

Agency fee payers to NYSUT are eligible to participate in NYSUT Member Benefits-endorsed programs.

Educational Info

The Long-Term Care Consumer’s Guide can be downloaded below (in pdf format), is available to all members and agency fee payers, and provides clear, objective information.

• Long Term Care

This guide answers such questions as “Do I really need it?” “What exactly is it?” “What should I look for in a policy?” and more.

You can request this or other Consumer's Guides by calling Member Benefits toll-free at 800-626-8101, weekdays from 9 a.m. to 5 p.m., Eastern Time, or use the Contact Us feature at the bottom of this page.