Long-term Care Insurance

Long-term Care Insurance

You can purchase long-term care insurance for yourself and your eligible dependents — spouse/domestic partner, parents, grandparents, in-laws, grandparents in-law and siblings — through MIT's Long-term Care Insurance Plan. You pay the full cost of this plan.

The Insurer

Genworth LTC is a voluntary, employee paid plan available to benefits eligible employees of MIT who work at least 20 hours per week. The plan is also available to family members ages 18 through 79 including:

  • spouses
  • domestic partners
  • adult children
  • parents, parents-in-law
  • grandparents, grandparents-in-law
  • siblings


Effective April 9, 2018, MIT's current group Long Term Care (LTC) plan offered by Genworth Life will change for employees who wish to enroll in coverage after April 8, 2018. The new plan will offer new daily and maximum benefits, an increase in rates, and revisions to the underwriting guidelines for new participants. This change will not impact current LTC policyholders.

If you are not currently enrolled in LTC and are interested in participating in the current plan, you must complete and submit an application to Genworth Life by midnight on April 8, 2018 in order to take advantage of the current limits, rates, guarantee issue, and other features of the plan detailed below.

Participation in the LTC plan does require proof of good health.

  Current Program
Until 04/08/2018
New Program
Beginning 04/09/2018
Daily maximum benefit options $150, $200, $250, $300, $350 $100, $150, $200, $250
Benefit duration options 3 or 5 years 2 or 3 years
Maximum issue age for eligible family members Age 79 Age 75
Eligible employees applying during new hire period (within 45 days of benefit eligible date) Ages 18-65: Guarantee Issue
Ages 66-69: Short form underwriting
Ages 70+: Full underwriting
Ages 18-65: Modified Issue:
  • 2 questions
  • Height/weight
  • Further underwriting possible

Ages 66+: Full underwriting

Eligible spouses applying during new hire period (within 45 days of benefit eligible date) Age 18-65: Short form underwriting
Age 66+: Full underwriting
All ages: Full underwriting
Eligible employees and spouses applying after the new hire period (45 days) All ages: Full underwriting All ages: Full underwriting
Pre-existing condition limitation N/A Included
Premium Current rates Higher rates

Learn More

Find out more about the Long-Term Care Insurance program:

  • Read our FAQs
  • Genworth has created a special website for MIT employees. Enter the Group Name: MIT and the access Code: groupltc to apply on line.
  • You can call 800-416-3624 toll free to speak to a Genworth program expert and order an information kit that contains full details of the program as well as applications you can fill out, sign and mail.

John Hancock Plan Members

John Hancock, our prior provider of long-term care insurance benefits, stopped accepting new applications for coverage in 2011. If you currently have an LTC policy with John Hancock, the Genworth contract does not affect that policy. If you have any questions, please call the John Hancock Customer Service Center at (888) 453‐2030.

Forms & Publications

Long-Term Care Insurance Forms & Publications

Long-Term Care Summary Annual Reportpdf