Commonwealth of Virginia (COV) Voluntary Group Long Term Care Insurance Program
VLDP Long-Term Care Plan
If you are a Hybrid Retirement Plan member employed by a political subdivision or school division who participates in the Virginia Local Disability Program (VLDP), you are covered automatically under the VLDP Long-Term Care Plan. You pay no cost for this coverage while you are employed in a VLDP-covered position. The VLDP Long-Term Care Plan provides benefits if you need help with everyday life tasks because of a prolonged health problem or following a major illness or injury. The plan assists with the cost of:
- Care in a nursing home or hospice
- Assisted living facility
- Community-based care
- Home healthcare services
- Informal care-giving
- Alternative or transitional care
The maximum daily benefit amount is $96 with a lifetime maximum of $70,080.
You are eligible for benefits when a licensed healthcare practitioner certifies that:
- You are unable to perform at least two of six activities of daily living; or
- You have a severe cognitive impairment requiring substantial supervision to protect you from threats to health and safety.
Benefits are payable 90 calendar days after your licensed healthcare practitioner certifies that you qualify for long-term care benefits.
How to ApplyVRS has contracted with illumifin Corp. to coordinate your benefits under the plan. Contact illumifin Corp. toll-free at 800-761-4057 within 60 days of being certified as eligible for benefits. A family member or friend may call on your behalf. To learn more about qualifying for benefits, plan highlights, plan features and coverage after you leave employment, review the Virginia Local Disability Program (VLDP) Handbook for Members 
.
VSDP Long-Term Care Plan
If you are a state employee in VRS Plan 1, VRS Plan 2 or the Hybrid Retirement Plan, the State Police Officers’ Retirement System (SPORS) or the Virginia Law Officers’ Retirement System (VaLORS) and participate in the Virginia Sickness and Disability Program (VSDP), you are covered under the VSDP Long-Term Care Plan at no cost to you. Long-term care services provide help with everyday life tasks because of a prolonged health problem or following a major illness, injury or surgery. This loss of independence can affect people of all ages. Without long-term care coverage, the cost of these services can quickly deplete savings or retirement income.
The VSDP Long-Term Care Plan covers nursing home care, hospice care, assisted living care, community-based care and at-home care, among other services. Your caregiver also may be eligible for assistance under the plan. The maximum daily benefit amount is $96 with a lifetime maximum of $70,080. .
How to ApplyVRS has contracted with illumifin Corp. to coordinate your benefits under the plan. Contact illumifin Corp. toll-free at 800-761-4057 within 60 days of being certified as eligible for benefits. A family member or friend may call on your behalf. To learn more about qualifying for benefits, plan highlights, plan features and coverage after you leave employment, review the Virginia Sickness and Disability Program (VSDP) Handbook for State Employees .