New benefit: Long-term care insurance now available, limited-time enrollment

Boise State University is introducing a new voluntary benefit opportunity for long-term care (LTC) insurance to help benefit-eligible employees plan for expenses typically not covered by health care, such as a nursing home, assisted living center, or at home care.

Boise State does not contribute to this coverage but offers it to employees at a reduced group rate. The insurance can be structured as life insurance or a combination of life and long-term care. If long-term care benefits are not used, the life and long-term care policy pays out as a life insurance benefit.

"Employees have been asking us to include this optional program in our benefits package," said Katie Thomas, chief human resources officer. "I'm glad faculty and staff will now have the opportunity to take advantage of this voluntary benefit."

Enroll without health questions

As part of this initial offering, current, benefit-eligible employees have a one-time opportunity to apply for LTC with a guaranteed issue, which does not require completing a medical history or health questions. This guarantee issue will not be offered again. Enrollment is open April 6 through May 1, 2026, and begins and ends earlier than annual open enrollment. Employees who leave Boise State are able to retain this insurance plan.

Rates and premiums

Rates are based on age at the time the policy becomes effective on July 1, 2026, and do not increase as age increases. Premiums can also be paid online or through payroll deduction.

Learn more

To learn more about eligibility and how to enroll, visit the long-term care insurance website, attend a live webinar or contact [email protected].

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