What is the difference between Long Term Disability and Long-Term Care?
Long Term Disability (LTD) is income protection insurance for excluded employees who can’t work due to a serious injury or illness. The Long-Term Care (LTC) Program, offered by CalPERS, provides coverage for employees who need extended care due to a chronic disease, frailty of old age, or serious accident. It covers help with activities of daily living such as bathing, eating and dressing. For information about the CalPERS LTC Program, please visit their website at www.calpers.ca.gov. • Who is eligible? The LTD program is part of the benefits package provided to the State’s excluded employees (i.e. employees designated managerial, supervisory, confidential and excluded/exempt). All active excluded employees appointed permanent, half time or greater, with one of the following designations are eligible to participate in the program: Managerial (M, E59, E79, E99) Supervisory (S, E48, E58, E68, E78, E98) Confidential (C, E97) Excluded/Exempt (E88, E89, E92) Excluded employees who are enrol
