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Long-Term Care Insurance (NYPERL)


The New York State Public Employee and Retiree Long-Term Care Insurance Plan (NYPERL) is available to actively at work Managers, Non-Represented Career and Salary, Non-Represented Operating Supervisors and their eligible dependents (Spouse/Domestic Partner, Parents, Parents-in-law, and Dependent Children ages 18-24).

What is Long-Term Care (NYPERL)?

Long-term care is needed if you are unable to carry out the basic activities of everyday living - bathing, continence, dressing, toileting, eating, or transferring from a chair or bed. The need could arise from an accident or a debilitating illness. Or it could simply be the natural result of aging.

Long-term care differs from traditional medical care as it is designed to assist a person in maintaining his or her level of functioning, as opposed to care or services that are designed to rehabilitate or correct certain medical problems.

NYPERL is a long-term care insurance program for employees of public authorities and local governments. Long term care insurance coverage is issued by MedAmerica Insurance Company of New York. This is an enrollee-pay-all program.

NYPERL offers a comprehensive benefit package designed to provide financial protection against the costs associated with long-term care services. These valuable benefits will assist employees and their families in planning and paying for future long-term care needs in a way that is affordable and manageable.

Why should I purchase long-term care insurance now?

Long-term care insurance premiums are based on your age when you enroll in the plan. It always costs more in the long run to delay a purchasing decision. This is due in large part to the ever-increasing cost of services, not just the cost of premiums associated with your age.

Long-term care insurance is generally a medically underwritten product, meaning that not everyone can qualify for coverage. Many people wait until it’s too late to purchase long-term care insurance - no amount of money will buy a policy after someone develops a serious health condition. It’s much like trying to buy homeowners insurance while your house is burning!

When can I enroll?

Eligible new hires have 60 days from their hire date to enroll without providing evidence of insurability. Employees who apply after this date and eligible family members must provide proof of medical eligibility.

Additional Information

To learn more about NYPERL or how to apply