Long Term Care Insurance

Long-Term Care Insurance, available through John Hancock Life Insurance Company, helps employees meet the financial and personal needs a long-term care situation can present. This plan is simplified issue to eligible new employees within their first 60 days of employment and is available to employees’ spouses, partners, parents, grandparents, in-laws, grandparents-in-law, siblings and adult children (ages 18 to 79), with evidence of insurability.

Long-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living (bathing, dressing, toileting, transferring, continence, and eating), or suffers severe cognitive impairment (such as Alzheimer’s disease). This coverage may be used to cover expenses relating to care in a skilled nursing facility or home-based care. The plan is designed to offer you a daily or monthly benefit amount for the elected benefit period of your choice, with the option to choose automatic inflation coverage.

Long-Term Care Insurance policies are offered through convenient payroll deduction while you are employed by the university and may be continued after retirement or termination of employment, with no increase in premium or reduction of coverage.


Participation is open to benefits-eligible employees with at least a 0.50 FTE appointment.


Eligible employees may enroll during their first 60 days of employment or during open enrollment periods for Gabor Long-Term Care plans. Late enrollment can be done outside of these time frames with evidence of insurability. Enrollment forms are available from the Gabor Agency.

For more information on the products that The Gabor Agency has to offer to USF employees, please visit http://www.gaboragency.com/university_usf.asp.


The Gabor Agency

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