Applicable only for members enrolled in LTC prior to February 1, 2026.
LAPRA provides members with an LTC Core plan, and the opportunity to purchase increased coverage. As a LAPRA member, you are automatically enrolled in the LTC Core plan provided through Unum.
Long-term care is the type of care received by someone who needs assistance performing basic Activities of Daily Living (ADLs) or needs assistance because of severe cognitive impairment. Long-term care insurance helps pay for the care you need when you can no longer care for yourself.
LTC insurance covers expenses for long term care, whether receive as home, in a community, or in a facility.
Your or your eligible family members may apply for LTC insurance at any time, so long as you are under the age of 80.
To request enrollment application, contact LARPA at Benefits@lapra.org or (213) 671-3701.
Long Term Care Insurance for Active Members
Applicable only for members enrolled in LTC prior to February 1, 2026.
Core LTC Benefit
Active LAPRA members are automatically enrolled in the Core LTC benefit which provides a $1,500 monthly benefit for facility or home care up to two years, after a 90-day elimination period with no inflation protection. The Core LTC benefit is paid 100 percent by LAPRA.
Optional Buy-up LTC Benefit
Members who are already enrolled in LTC coverage have the opportunity to choose increased coverage by personalizing three key areas:
- Monthly Benefit Amount – You can choose between $1,500 and $8,500.
- Benefit duration – You can choose 2 years, 5 years or lifetime.
- Inflation protection: You can choose no inflation, 5% simple inflation or 5% compound inflation.
Long Term Care Insurance for Active Members
Applicable only for members enrolled in LTC prior to February 1, 2026.
Core LTC Benefit
LAPRA members may continue their LTC coverage as retirees. The core LTC benefit provides a $1,500 monthly benefit for facility or home care up to two years, after a 90-day elimination period with no inflation protection. LAPRA contributes $7.53 per month toward the cost of your retiree LTC coverage. You are responsible for paying the balance of the premium due each month. Typically, your monthly LTC premium is paid through a deduction from your monthly pension.
Optional Buy-up LTC Benefit
Members who are already enrolled in LTC coverage have the opportunity to choose increased coverage by personalizing three key areas:
- Monthly Benefit Amount – You can choose between $1,500 and $8,500.
- Benefit duration – You can choose 2 years, 5 years or lifetime.
- Inflation protection: You can choose no inflation, 5% simple inflation or 5% compound inflation.
Medical Underwriting
LTC insurance is medically underwritten. However, when you enroll in coverage within your ļ¬rst 31 days of hire, approval is guaranteed up to a beneļ¬t of $6,500 per month and 5 years duration. If you apply for a greater monthly beneļ¬t or duration, you will need to complete an LTC Application.
Cost of LTC Coverage
The cost of Buy-up coverage is determined by your age, the benefit amount and duration. A spouse or eligible domestic partner are subject to the member rate schedule.
If you or your spouse/Domestic Partner wish to apply for coverage, complete the forms below:
For questions about LTC coverage, visit www.unuminfo.com/lapra or email Benefits@lapra.org.