Human Resources

Long-term Care Insurance

The New York State Public Employee and Retiree Long-Term Care Insurance Plan (NYPERL) allows purchase of a long-term care insurance policy by employees and retirees who are eligible for enrollment in the NYS Health Insurance Program, their spouse/domestic partner, dependent children, parents, parents-in-law, vestees, and dependent survivors.   Currently, there is no contract with an insurance provider in place for this benefit, so enrollment is not possible at this time.

NYPERL offers two federally-qualified insurance plans (benefits are not subject to federal income tax):


  • Care Directions Premier/NYS Partnership for Long-Term Care, and
  • Care Directions Premier

Both plans provide benefits for covered services in or by a

  • Nursing Facility
  • Home Health Care Agency
  • Adult Day Care Center
  • Assisted Living Facility
  • Hospital Long-Term Care Unit
  • Hospice Program

The NYS Partnership for Long-Term Care links private care with Medicaid, which allows New Yorkers to protect their assets while remaining eligible for Medicaid. Premiums for both plans vary depending on the applicant's age and the level and length of benefits selected. Premium payment through payroll deduction is available.

Active employees are guaranteed issue of a policy without proof of insurability if they enroll within 60 days after their date of appointment. Enrollment after the end of the initial enrollment period will require proof of insurability. Eligible dependents, retirees, vestees, and dependent survivors must provide proof of insurability regardless of when they apply.