Long term care is the kind of care people will need when, because of severe injury or chronic illness, they cannot perform basic activities of daily living without help. Long-term care insurance provides benefits toward this expense. Eligibility is for regular full-time and part-time faculty and staff members and their spouse, parents, parents-in-law, grandparents, and grandparents-in-law in addition to retirees and their spouses. They can receive coverage even if the faculty/staff member does not enroll.