Long Term Care Assistance

Princeton University’s Group Long Term Care Plan is designed to help cover the costs of long term or custodial care for faculty; staff; and spouses, parents, grandparents, parents-in-law, and grandparents-in-law.

When individuals can no longer care for themselves, Princeton University’s Group Long Term Care Plan administered by Genworth Life Insurance Company, is designed to help cover the costs of long term or custodial care services. Long Term Care Insurance (LTCI) helps individuals manage the costs of long term care, and services may include:

  • Assistance in the home with day-to-day activities
  • Care provided in an adult day care center
  • Confinement in an assisted living facility or nursing home

Long term care support can include help getting dressed, eating, bathing, or self-administering medication. LTCI provides coverage for services when they are required for an extended period of time and are not associated with acute care or short-term illness.

LTCI can also help individuals protect:

  • Retirement savings and assets
  • Family members from the burdens of care giving
  • One’s ability to stay in the home

The plan is voluntary and the costs are at lower group rates. Coverage under this program is portable, so it can move with employees who change jobs, retire, or leave employment.

To learn more about the program, individuals can:

  • Visit the Genworth; use Group ID “Princeton” and Access Code “groupltc”
  • Call Genworth at (800) 416-3624, Monday through Friday 8 a.m. to 8 p.m., to request an information kit or speak to an expert


Premiums are based on the individual’s age at time of application and plan choices. Premiums for an employee and spouse or partner can be processed through an after-tax payroll deduction. Parents, grandparents, siblings, and adult children are billed directly by Genworth.

Genworth priced this coverage conservatively to help avoid future rate increases; however, it does retain the right to raise future premiums. Such an increase has to be reviewed and approved the by New Jersey Insurance Department, and it would have to be for an entire class of individuals. Individuals cannot be singled out for a rate increase, and premiums are never increased based on age, claim, or health status.

Eligibility and Enrollment

The plan is available to all:

  • Benefits-eligible regular and non-visiting employees
  • Spouse or domestic partner
  • Adult children
  • Siblings
  • Parents
  • Grandparents

Eligible family members must be between the ages of 18 and 75 to be eligible to apply. All applicants must maintain a permanent US residence and have a valid Social Security number or Tax Identification number. This program is not available to Vermont residents.

Employees under age 66 who enroll within 31 days of the hire date as a benefits-eligible employee, or of becoming newly eligible for benefits may apply for long term care insurance by completing an abbreviated medical questionnaire for underwriting. If employees do not apply within this time period, they may apply at any time by completing a full medical questionnaire for underwriting.

Family members may apply for group long term care coverage at any time by completing Genworth’s long term care application available online or by contacting Genworth. All coverage is subject to Genworth underwriting and is not guaranteed.

CNA Long Term Care Insurance

CNA stopped offering group long term care insurance to new enrollees as of February 1, 2016. If anyone is currently covered through CNA, the plan coverage and features remain the same as long as the individual pays the premiums directly to CNA. For questions, contact CNA at (866) 357-8481.

If there are any discrepancies between the information in this publication, verbal representations, and the plan documents, the plan documents always govern. Although Princeton intends to continue these benefits, the University reserves the right to amend or terminate these plans at any time.