Employees covered by the Virginia Local Disability Program or Virginia Sickness and Disability Program may continue their long-term care coverage after leaving employment or retiring. A reminder before they leave can help ensure they don’t miss the deadline to continue coverage.
VLDP and VSDP participants automatically receive long-term care coverage. The plans provide benefits when participants need help with everyday tasks because of a prolonged health problem or major illness or injury. The maximum daily benefit amount is $96, with a lifetime maximum of $70,080.
Remind Employees Before They Leave
Employees leaving VLDP- or VSDP-covered positions who want to keep their long-term care coverage are responsible for paying premiums directly. To elect continued coverage, they must submit the following forms within 60 days of leaving their position:
- Authorization of Coverage Retention for the Long-Term Care Plan (VSDP or VLDP) (VRS-170)
- Protection Against Unintentional Lapse of Long-Term Care (VSDP or VLDP) (VRS-171)
Employees who go on long-term disability retain their long-term care coverage until their LTD claim ends. If they do not return to a VSDP- or VLDP-covered position, they have 60 days from the date their LTD claim ends to submit the form to continue coverage.
