Ken and I are more fortunate, I think, than many.  Gov't jobs tend to be
weak on pay and heavy on bennies.  That's my read, anyway.

-Kyle

-----Original Message-----
From: Kathleen Salkin [mailto:[log in to unmask]]
Sent: Wednesday, January 30, 2002 11:38 AM
To: [log in to unmask]
Subject: Re: long term care


I can answer this one as a Benefits person.  If a company offers LTC
insurance to all of its eligible employees, that means ALL employees.
Disabled employees cannot be excluded at this point.

However, if a disabled person should waive coverage when first eligible, and
then tries to sign up for it later, there will usually be an "Eligibility of
Coverage" certificate required and a medical exam required.  So if a person
has a disability that would affect their health, coverage may be denied at
that point.

I remember two cases in my company in which employees waived coverages under
Long-Term disability plans when first eligible.  The first one later got
AIDS and by that time, could not get coverage under the LTD plan.  The
other, who was disabled when first hired, waived coverage, and then was laid
off two years later. If he had been covered, he might have been able to get
benefits for 18 months and thus be covered under our group medical policy at
the group rate, but instead had to pay full COBRA rates.

The moral of all this?  Find out all you can about your benefits and sign up
for everything you can. Never, never assume you won't need them.

               Kat


"St. John's University Cerebral Palsy List" <[log in to unmask]>
wrote:
> kyles remark about insurance makes me wonder. we who were able to pursue a
carreer, do you think we could qualify for long term care insurance?