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Long Term Care
For HSTA Members Only: Insurance
When a Bargaining Unit 05 member is an HSTA member, many additional insurance programs become available,
like the program offered on this page.
Our insurance coverages are special offerings for HSTA members only. Take advantage today!
Long Term Care Insurance for Trust Participants that are HSTA Members
The cost of health care is skyrocketing. The current average monthly charge for nursing home and in-home
care in Hawaii continues to rise.
While we don't like to think that anything bad will happen to us or to the ones we love, it's always better
to be safe than sorry. Long Term Care Insurance ensures that
1) you will be taken care of if needed and
2) your care costs won't jeopardize your nest egg.
What is Long Term Care Insurance
As a result of disability or a prolonged illness, long-term care is the assistance provided when a person
is unable to provide for himself or herself. It ranges from providing personal care at home, such as bathing
and dressing, to skilled nursing services in a nursing home.
Long-term care is offered through home care agencies, senior centers, adult day care centers, traditional
nursing homes, and retirement communities that provide on-going care.
How can I enroll
To eliminate the health questionnaire requirement, Trust Participants have 60 days after becoming an HSTA member
to apply for increased Long Term Care coverage, or can sign up during open enrollment periods.
After 60 days, enrollment requires a health questionnaire.
For your convenience, premiums can be paid through payroll deduction.
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