CalPERS long-term care (LTC) coverage helps participants pay for the cost of care when they need assistance with the activities of daily living. This is an optional, employee-paid, benefit.

Visit the CalPERS Long-Term Care website to log in to or register your account.

For questions related to the rate increase and offer letter to offset the rate increase by modifying your coverage, contact CalPERS Long-Term Care at (888) 877-4934. 

CalPERS has agreed to a proposed settlement in the Long-Term Care Program class action lawsuit. For more information, visit the class action settlement website.

CalPERS has decided to temporarily suspend open enrollment for the Long-Term Care Program due to current uncertainty in the long-term care market. Therefore, until further notice, we are no longer accepting new applications for coverage.

Long-Term Care Policyholder Rate Increase Information

In November 2020, the CalPERS Board of Administration approved a rate increase on all Long-Term Care Program policies to be phased in over two years. The Long-Term Care Fund is facing a shortfall due to lower than expected investment returns and an adjustment in actuarial assumptions. Given this shortfall, rate increases are necessary to cover the projected future costs of providing benefits to policyholders.

We recognize this is an exceedingly difficult time, particularly during the continued uncertainty caused by COVID-19 and its impact on seniors and caregivers. We’ve spent months comprehensively exploring numerous options and consulting with state and national experts. We’re only taking this action because there is no viable alternative. We must maintain the sustainability of the program and protect the benefits for policyholders who count on the program for critical long-term care.

The rate adjustments will be phased in over two years. A 52% increase will take effect no earlier than November 2021 and, if necessary, a second increase of up to 25% will take effect no earlier than fall 2022. We’ll send you a customized offer at least 60 days prior to your rate increase effective date that will allow you to avoid the 52% rate increase. In fall 2022, we’ll provide another offer allowing you to avoid the potential 25% rate increase.

Contact CalPERS Long-Term Care

The CalPERS Long-Term Care Program is administered by our third-party administrator, LTCG. If you’re already a CalPERS Long-Term Care policyholder, and have questions about your coverage, call LTCG’s customer services representatives Monday through Friday, 8:00 a.m. to 6:00 p.m. (Pacific Time) at:

  • (800) 982-1775 for general questions related to your policy
  • (888) 877-4934 for questions related to rate increases

You can also log in to LTCPolicyHub to view your policy and more or email your questions to CalPERSltc@ltcg.com.