That article was meant to alert WEAC members to the importance of planning for LTC before their retirement, because, once a member retires, he or she is no longer eligible to enroll in the group LTC policy that is offered by WEA Insurance. The article went on to say that members can purchase an individual LTC policy before or after retirement, but that individual policies are more expensive than group LTC policies, and harder to get into. In fact, many of you wanted to enroll in our group LTC policy. WEAC members are a group, but it is not your group for insurance purposes.
Most group insurance is employment-based.
In the case of public education employees, your group consists of the employees who work in your school district. This group is actually defined by your employer, and conditioned by your collective bargaining agreement. So, for example, in your district the group may be defined as all employees working half-time or more. Or, the district may decide that for a particular plan, the group may consist of only certain employees, like teachers and administrators. If you are interested in getting our group LTC policy, you will have to let your negotiating team and local union leaders know of your interest, because the policy must be negotiated.