Most other programs limit how much you can spend per day for home care. It's important to think about how your long-term care coverage will keep pace with the rising cost of care. It may be years before you need long-term care and costs for care, like everything else, can be expected to rise over time. CalPERS offers two ways to keep pace with inflation. Besides offering protection that is both affordable and flexible, our plans also include Care Advisory Services not always provided by other plans.
Members needing care can, if they want, get help locating appropriate services.
These services are included in all plans offered by the CalPERS Long-Term Care Program. Your coverage continues even if you change jobs or move out of California. Your coverage cannot be canceled because of your age or changes in health. Coverage will end only if you fail to pay premiums when due or your benefits have been exhausted. Premium rates can only be changed through the action of the CalPERS Board, after review of the experience of the program.