With CalPERS Long-Term Care coverage, you have flexibility to receive the care you need. We have different plans and options to allow you to customize your coverage based on your planned needs. For complete information about the plans and options available to you, download or request an application kit.

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Eligibility

CalPERS Long-Term Care coverage is available to current and former California public employees, retirees, their spouses, parents, parents-in-law, step parents, children, siblings (including stepbrothers and stepsisters), grandparents, grandchildren, nieces, nephews, aunts, uncles, sons-in-law, daughters-in-law, brothers-in-law, and sisters-in-law, who are between the ages of 18 and 79 when they apply. California public employees include, but are not limited to, those employed by the state of California and all state departments, state Assembly and Senate, judicial systems, school districts, cities, counties, special districts, public universities and community colleges.

You do not need to participate in CalPERS retirement or health benefit programs to be eligible. Eligible family members may apply to the CalPERS Long-Term Care Program even if the public employee or retiree that makes them eligible does not apply or is not approved for coverage.

Applicants must pass underwriting in order to be approved for coverage.

Covered Expenses

CalPERS Long-Term Care coverage pays for qualified long-term care services you receive at home, from an approved independent provider or home health agency, or in a facility. Care providers include licensed health care professionals, independent providers, home health agencies, assisted living/residential care facilities, nursing and hospice facilities and community settings, such as a respite care or adult day care. CalPERS Long-Term Care may also cover the cost of other long-term care services and expenses.

If you have questions about your eligibility or CalPERS Long-Term Care covered expenses, please call our long-term care specialists at (800) 908-9119.

CalPERS Long-Term Care Plans

CalPERS Long-Term Care offers two types of plans, the Comprehensive Plan and the California Partnership Plan. Both plans offer a broad set of Standard Benefits that include both home and facility care.

Comprehensive Plan
California Partnership Plan

Optional Benefits

CalPERS Long-Term Care offers a number of optional benefits you can select at the time you apply for coverage. In addition to the plan and coverage amounts you select, consider the impact of inflation, increasing costs of long-term care and protection of your total coverage amount. Optional benefits allow you to tailor a plan to meet future needs.

Optional Benefits

Inflation Protection

Inflation can affect the cost of long-term care and the value of the coverage you buy today. You may not need long-term care services until well into the future and the cost of that care may increase due to inflation. Consider inflation protection so you have adequate coverage to receive the care you want when you need it.

Inflation Protection