Virginia Local Disability Program (VLDP) for Active Members
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.
Waiting Period
Benefits are payable 90 calendar days after your licensed healthcare practitioner certifies that you qualify for long-term care benefits.
How to Apply
VRS 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.
Virginia Local Disability Program (VLDP) for Retirees
When you retire from your position, your VLDP long-term care coverage ends. You can elect to continue your VLDP Long-Term Care Plan at affordable group rates in retirement. Long-term care services provide help with everyday life tasks because of a prolonged health problem or following a major illness, injury or surgery.
To continue your coverage, submit the Authorization of Coverage Retention for the Long-Term Care Plan (VRS-170) and the Protection Against Unintentional Lapse of Long-Term Care (VRS-171) to illumifin Corp. within 60 days of leaving employment or retiring. This option is not available after 60 days. For more information, call illumifin Corp. at 1-800-761-4057.
VLDP Long-Term Care Plan Services
The VLDP 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.
Qualifying for Benefits
You are eligible for benefits if a licensed health care practitioner certifies that you:
- Are unable to perform at least two of six Activities of Daily Living without substantial assistance; or
- Have a severe cognitive impairment that requires substantial supervision.