note: "Since U Asked" needs questions to answer! Send
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I signed up for the Virginia
Sickness and Disability Plan when it was offered, and I am
now receiving mail about a long-term health plan offered by Aetna.
Aren't I already covered? What's the difference?
There are worlds of difference, says Margaret Marsh, the ombudsman
for the U.Va. healthcare plan.
VSDP provides for a portion of your salary to be paid if you are
disabled; it's income replacement.
long-term care plan that the state is offering through Aetna,
however, would pay for services needed when you -- or possibly
a spouse, or a parent, or even in-laws -- can no longer care for
yourself. It covers the cost of a long-term care facility, adult
day care, or in-home nursing care. These expenses can go well
beyond the income received from VSDP, so it is possible to be
enrolled in both simultaneously.
federal government benefits cover only nursing care, and that
only through the Medicaid program, which has income requirements.
deadline for guaranteed enrollment in the Aetna plan is Dec. 1;
after that, employees must complete a medical exam to qualify.
Premiums vary depending upon the plan options selected and the
participant's age, and may be deducted from payroll checks after
taxes. The plan is available only to "Agency 207" employees
(the University's academic side).
For information, call the Benefits Office at 924-4392.