Health & Medicare

Consider Long-Term Care Coverage

CalPERS Long-Term Care (LTC) coverage helps pay for the cost of care when you need assistance with the activities of daily living due to an injury, illness, or aging.

View LTC Options


  • Before you turn 65, you'll need to enroll in Medicare to keep your CalPERS health coverage.
  • CalPERS Long-Term Care is an optional benefit available to retirees and their family members.
  • Once you retire, CalPERS becomes your health benefits officer.
  • You can change your health plan and add/delete dependents during Open Enrollment in the fall (or within 60 days of a qualifying status change).
  • Your health premiums are deducted from your retirement pay.