Hwm nce
California Partnership for Long-Term Care
Yog tias koj yog tus tuav txoj cai Partnership thiab koj tau txais tsab ntawv hais txog kev nce nqi, koj yuav muaj qee cov lus nug thiab kev txhawj xeeb.
Leej twg pom zoo qhov kev nce no?
California Lub Tsev Haujlwm Saib Xyuas Kev Pov Hwm (CDI) pom zoo tag nrho cov nqi nce ntxiv rau cov cai tuav pov hwm mus sij hawm ntev muag hauv California, suav nrog California Partnership for Long-Term Care (Partnership). Txawm li cas los xij, California Txoj Cai Tswjfwm Ntiag Tug hais tias CDI yuav tsis pom zoo kom nce nqi ntau tshaj plaub caug feem pua ntawm Kev Koom Tes nrog cov cai lossis daim ntawv pov thawj. Qhov kev pom zoo nce yuav tsum sib npaug sib npaug li peb xyoos.
- Partnership Rate Mitigation Options
- Cov kev cai hais txog tus nqi nce
- Keeb kwm ntawm tus nqi saib xyuas mus sij hawm ntev
Kuv tau txais tsab ntawv nce tus nqi Kuv yuav ua li cas?
The Partnership is here to help you understand what this means to you. If you recently received a letter about a premium increase on your California Partnership policy, we are here to help you understand the options available to you. For questions, please send them to cpltc@dhcs.ca.gov.
Hwm nce Exceptions
Cov neeg tuav pov hwm tsis raug them nqi ntxiv yog tias koj yog ib tus ntawm cov hauv qab no:
Tso Tseg Nqi Ntxiv
Tam sim no siv cov txiaj ntsig ntawm txoj cai rau chaw saib xyuas neeg mob lossis chaw saib xyuas neeg mob
| Xyoo | Nce nce |
|---|---|
| 1 | 13.3% |
| 2 | 13.3% |
| 3 | 13.4% |
| 40% |
Hwm nce kev tiv thaiv
The California Department of Insurance approves all premium increases. However, your Partnership policy has a rate cap that limits an insurance company’s ability to raise rates over 40%. In addition, the total amount of any approved premium increase is spread equally over three years. The table illustrates how this works.
Kuv cov kev xaiv yog dab tsi?
Cov neeg tuav txoj cai yuav tuaj yeem txo cov txiaj ntsig los pab txo qhov cuam tshuam ntawm tus nqi nce ntxiv. Nov yog peb txoj hauv kev uas muaj rau Kev Koom Tes Txoj Cai.
- Xaiv kom txo cov txiaj ntsig siab tshaj plaws niaj hnub tam sim no
Txo cov txiaj ntsig txhua hnub los ntawm 50 feem pua
Txo cov txiaj ntsig txhua hnub los ntawm 25 feem pua
Txoj hauv kev ua tau kom txo cov nqi qis
| Kev xaiv | Kev ua |
|---|---|
| Lub Sijhawm Nyiaj Pab | Txo mus rau lub sijhawm qis tshaj uas muab los ntawm lub tuam txhab pov hwm, tab sis tsis qis dua 12 lub hlis |
| Lub Sijhawm Nyiaj Pab | Reduce to the next highest duration on the insurer’s approved rate schedule, but not below 12 months |
| Lub Sijhawm tshem tawm | Ntxiv rau 90 hnub rau txoj cai nrog lub sijhawm tshem tawm tsawg dua 90 hnub |
| Kev tiv thaiv kev nce nqi | Txo los ntawm 5 feem pua mus rau 3 feem pua compound lossis 5 feem pua yooj yim |
| Kev tiv thaiv kev nce nqi | Rau cov neeg tuav pov hwm txoj cai muaj hnub nyoog 70 xyoo thiab laus dua - yog tias tus tuav ntaub ntawv tau txais 50% tus nqi nce ntxiv hauv lub neej ntawm txoj cai, kev tiv thaiv kev nce nqi yuav raug txo mus rau 1 feem pua. |
| Txoj cai hloov dua siab tshiab | Hloov txoj cai rau qhov kev pab them tsawg kawg nkaus* Piv txwv: $100 ib hnub txoj cai » ib xyoos » $73,000 *Xyuas seb tus neeg tuav pov hwm puas muaj txoj cai no hauv California |
Kuv tuaj yeem tham nrog leej twg txog kuv txoj cai?
- Koj tus neeg sawv cev yog koj thawj kab kev txhawb nqa.
- Hu rau lub tuam txhab tuav pov hwm.
Genworth Consumer Line: (800) 419-0401
Genworth Policyholders tuaj yeem hu rau Genworth Cov Neeg Siv Khoom Pabcuam ntawm 888-274-6124 nrog cov lus nug txog Genworth In-Force Rate Action. Pab Pawg Pabcuam Cov Neeg Siv Khoom Genworth tuaj yeem pab nrog muab cov nqe lus tshwj xeeb rau txhua qhov kev hloov kho muaj txiaj ntsig.
For additional information regarding premium increases, we encourage you to visit Genworth LTC Insurance Premium Increases FAQs.
John Hancock: (844) 272-7842
Contact John Hancock with any questions. Visit the John Hancock Info Center or contract customer services representatives at (844) 272-7842, Monday through Friday from 8:00 a.m. – 6:00 p.m. Eastern Time. The TTY number for the hearing impaired is (800) 555-5421.
New York Life Customer Care Team: (800) 890-7798
Yog tias koj muaj lus nug, thov hu rau koj tus neeg sawv cev, lossis New York Life Customer Care Team, Monday txog Friday,
8 teev sawv ntxov txog 6 teev tsaus ntuj Central Time.
MetLife Consumer Line: (888) 285-8140
Yog tias koj muaj lus nug, thov hu rau koj tus neeg sawv cev, lossis pab pawg Pabcuam Cov Neeg Siv Khoom MetLife ntawm 888-285-8140, Monday txog Friday.
Transamerica: (866) 311-2048
Koj tuaj yeem hu rau Transamerica Cov Neeg Pabcuam Cov Neeg Sawv Cev ntawm (866) 311-2048, Monday txog Friday, thaum lub sijhawm ua haujlwm ib txwm ua. Cov neeg sawv cev ntxiv yuav muaj nyob nruab nrab ntawm 4:00 teev tsaus ntuj. thiab 8:00 pm. ET los teb cov lus nug txog tus nqi nce. Koj tuaj yeem ncav cuag Transamerica los ntawm lawv lub vev xaib.
Kev Pabcuam Kev Pabcuam Kev Noj Qab Haus Huv thiab Kev Pabcuam (HICAP): (800) 434-0222
The Health Insurance Counseling and Advocacy Program (HICAP) provides health insurance counseling to senior California residents free of charge. You may reach HICAP at (800) 434-0222, or refer to the HICAP office in your county
California Department of Insurance: (800) 927-4357
Yog tias koj yog ib tus neeg siv khoom lossis cov tswv cuab ntawm pej xeem nrog kev nug txog kev pov hwm lossis kev tsis txaus siab, thov hu rau Consumer Hotline
1-(800) 927-4357, los yog mus saib nplooj ntawv Getting Help ntawm lub chaw haujlwm.
Yog xav tau daim ntawv teev cov tuam txhab uas koom nrog California Partnership for Long-Term Care tam sim no:
Cov tuam txhab uas tau ntawv pov thawj los ntawm kev koom tes