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Long Term Care Insurance

elderly woman looking up at caregiver, smiling

Cover the costs associated with extended long-term care for you and your family.

Long-term care insurance can help you cover the costs of chronic disease, activities of daily living, or long-lasting disability. While nursing home care may be necessary, services can also be provided in adult day care centers, assisted living facilities, or at-home care.


Coverage is available to Cornell's benefits-eligible* active and retired employees, their spouse/domestic partner, parents/in-laws, and grandparents/grandparents-in-laws.

First time enrollment

You may enroll in long-term care insurance at any time.

Cornell is contracted with RetirementGuard, a brokerage firm that provides consultative advice about long-term care insurance to many Ivy League institutions. Through their Private Exchange and Cornell's affinity, they provide a selection of competitive individual long-term care insurance policies with discounted premiums.

Learn more about Long Term Care Insurance

For more information about RetirementGuard and the companies they quote, visit, email or call them directly at 1-888-793-6111.

Legacy Plan: CNA Group Long Term Care Plan

CNA does not offer any new Individual or Group Long Term Care policies. Cornell initially negotiated the basic policy terms in 2002 as a group plan.

If you are a current policyholder with CNA, you have an individual certificate (written in your name) that was issued under a Group Long Term Care plan. Your policy is valid as long as you continue to pay your premiums. 

The financial strength of CNA protects you. This highly-rated insurance company has ample reserves to cover its obligations. Although CNA no longer accepts new enrollments, the rules and regulations of the NY State Department of Finance (formerly the Department of Insurance) will hold CNA to their commitments. 


If you have questions about your policy, contact CNA customer service directly at 1-800-CNA-2000 or

Claims Address: CNA Group Long Term Care, P.O. Box 64887, St. Paul, MN 55164

Phone - 866-308-0278

*If you are uncertain of your eligibility status for this benefit, please contact your HR representative to review.

While every attempt has been made to ensure the accuracy of this Summary, in the event of any discrepancy the policy documents will prevail.