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MIT Employee Benefits

Eligibility

You are eligible for MIT Long-Term Care Insurance if you are paid by MIT, are appointed to work at MIT for at least three months, and work at least 50% of the normal full-time work schedule. MORE

Next steps

1. Confirm your eligibility.
2. Review coverage options and costs.
3. Enroll in the plan at John Hancock/MIT Long Term Care (enter user name: mit and password: jhancock)

Details

Your Long-Term Care Insurance coverage

MIT's Long-Term Care Insurance helps pay for the cost of certain necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, or other personal care services for individuals who are unable to care for themselves. You can continue your coverage even if you leave your job at MIT.

Coverage extends to a variety of care settings outside the acute care unit of a hospital, including

• traditional nursing home
• alternative care facilities
• adult day care
• home care services

The MIT Long-Term Care Insurance Plan includes patient advocacy services by registered nurses with experience in long-term care. Patient advocates work with you and your family to help you find the right care and make the most of your long-term care coverage.

Whether you are actively employed or retired, you can purchase MIT Long-Term Care Insurance for yourself and your relatives (regardless of their employment status), including

• spouse or domestic partner
• parents and parents-in-law
• grandparents and grandparents-in-law

Coverage options and costs

The cost of your MIT Long-Term Care Insurance depends on your age when you enroll and the amount of coverage you choose. Visit John Hancock/MIT Long-Term Care (enter user name: mit and password: jhancock) or call the John Hancock Customer Service Center at (888) 453-2030 for details on coverage costs and options.

Manage your costs over time

Even when you leave your job at MIT, you can continue your long-term care coverage at the same cost as an active employee. You may also have the opportunity to increase the amount of your nursing home coverage periodically to adjust for rising costs.

Who is eligible

• you have been appointed — and are currently employed — to work at MIT for at least three months
• you work at least 50% of the normal full-time work schedule
• you are paid by MIT

Who is NOT eligible

• visitor
• contractor
• affiliate
• teaching or research assistant
• honorary lecturer
• summer appointment
• non-MIT student program worker
• international visiting student
• post-doctoral fellow
• paid by MITemps
• student in a work-study program
• family member who is not employed by MIT
• member of the armed services assigned to MIT

Members of collective bargaining units

All the plan provisions are subject to the terms of your collective bargaining agreement.

How to enroll in long-term care insurance coverage

Enroll or request an enrollment kit at John Hancock/MIT Long-Term Care (enter user name: mit and password: jhancock) or by calling the John Hancock Customer Service Center at (888) 453-2030.

Enroll without evidence of good health

• If you enroll within 31 days of your date of hire or appointment or within 31 days of the date you receive your official Welcome Letter, whichever is later, you do not have to provide evidence of good health.
• If your spouse or domestic partner enrolls within 31 days of your date of hire or appointment or within 31 days of the date you receive your official Welcome Letter, whichever is later, she or he is only required to answer five health questions satisfactorily.
• All other eligible members of your family must provide a Statement of Health

Enroll any time

When you or any eligible member or your family enrolls after this 31-day period, you must provide a Statement of Health for the individual being covered by the application.