Frequently Asked Questions

  1. I submitted my Award Acknowledgment and Election Form by the September 22, 2021 deadline and elected a Potential Replacement LTC Policy (Category A, Option 2), so what should I do now?
  2. What will I receive under the Settlement?
  3. If I decide to purchase a Replacement LTC Policy (Option 2), what will that policy provide?
  4. If I selected Option 2 for Replacement LTC Policy, when will the policy begin providing coverage?
  5. If the brokers cannot obtain an adequate Replacement LTC Policy, what happens?
  6. If I select the option of purchasing a Replacement LTC Policy (Option 2), can I change my mind?
  7. What if I don’t return my Award Acknowledgment Form?
  8. What if I wanted to select option 2 but, I missed the September 22, 2021 Deadline to select this on my Award Acknowledgment form?
  9. If I want to keep my CalPERS LTC Policy what should I do?
  10. Will my premium refund be reduced by attorneys’ fees or litigation expenses?
  11. How does the up to 90% premium increase that CalPERS recently announced factor into my decision?
  12. If I want to participate in the Settlement, should I continue paying premiums to CalPERS until the Settlement becomes final?
  13. Do I still have to pay the recently announced premium increase when those increases take effect if the Settlement is not yet Final?
  14. If I decide to let my policy lapse before the Final Settlement Date, will this affect the amount I receive from the Settlement?
  15. Will I receive a refund of the premiums I pay between now and the Final Settlement Date?
  16. If I paid the Benefit Increase Option but never had the Inflation Protection Benefit, am I a member of the Settlement Class?
  17. What if I need to go “On Claim” before the Final Settlement Date?

Basic Information

  1. Why did I get the Notice?

    Defendant’s records show that you were a California citizen in February 2013, and that you hold or held an LTC Policy issued by CalPERS that included inflation protection benefits that was subject to an 85% premium increase announced by CalPERS in 2013. The Notice explains the Action, the Settlement, and your legal rights.

    The lawsuit is known as Holly Wedding, et al. v. California Public Employees’ Retirement System, et al., and is pending in the Superior Court of California for the County of Los Angeles, Case No. BC517444 (the Action”). Holly Wedding, Richard Lodyga and Eileen Lodyga are the Plaintiffs and Class Representatives, and they sued CalPERS and others who are called the Defendants.

    The "Notice Effective Date" is August 13, 2021. As required by the Court’s Preliminary Approval Order, this was the date that the Settlement Administrator mailed and emailed out Class Notices to Settlement Class Members.

    To view a copy of the Class Notice, click here.

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  2. What is the Action about?

    In 1995, CalPERS began selling LTC policies to Class Members. In February 2013, CalPERS announced it was increasing the premiums for certain policies sold between 1995 and 2004 by 85% and that these premium increases would be implemented in 2015 and 2016. The lawsuit generally alleges that it was improper for CalPERS to impose this 85% premium increase. CalPERS denies that it did anything improper and denies that anything it may have done caused injuries to the Class.

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  3. Why is this lawsuit a class action?

    In a class action, one or more people called the “Plaintiff” sues on behalf of people who have similar alleged claims. All of these people are a “class” or “class members.” The Court resolves the issues for all class members, except for those who exclude themselves from the class. On January 28, 2016, the Honorable Jane Johnson issued an order certifying a class in this case. Thereafter, on July 23, 2021, the Honorable William F. Highberger issued an Order conditionally certifying this Settlement Class for purposes of this Settlement only.

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  4. Why is there a settlement?

    After conducting substantial investigation and litigating this matter for nearly eight years, including a thorough review of documents related to the claims and numerous depositions of representatives of Defendants and depositions of the Plaintiffs and the parties’ experts, the resolution of various issues through motions for summary judgment and a trial of the first two phases of the case, both sides agreed to the Settlement to avoid the cost and risk of further litigation. Defendant denies all of the claims asserted in the Action and denies that it is liable to the Class. Plaintiffs and their lawyers think the Settlement is in the best interests of all Settlement Class Members.

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  5. Who is in the Settlement Class?

    “Settlement Class Members” or the “Settlement Class” means all persons who:

    1. Were citizens of California in February 2013;
    2. Purchased an LTC Policy from CalPERS during the period 1995 to 2004 that included automatic inflation protection benefits; and
    3. Were subjected to the 85% premium increase announced by CalPERS in 2013.

    Policyholders who converted their policies to LTC3 policies prior to the implementation of the Challenged Increase are not included in the Settlement Class, even if the conversion occurred after the 85% premium increase was approved by the CalPERS Board in October 2012. The Settlement Class does not include those individuals who opted out of the Class certified by the Court on January 28, 2016.

    If you are still unsure if you are part of the Settlement Class, please contact the Settlement Administrator at 1-866-217-8056 (Toll-Free).

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  6. What is an LTC3 policy and what does it mean if I’m told that I “converted” to an LTC3 policy?

    In or around 2004, CalPERS began to sell the LTC3 policy. It also offered to policyholders who had either LTC1 or LTC2 policies the option of converting that policy to an LTC3 policy. Those policyholders who converted to LTC3 policies were not subjected to the 85% premium rate increase and are therefore NOT a part of the Settlement Class. Policyholders had the option to convert to an LTC3 policy even after the 85% rate increase. If you converted your policy to an LTC3 policy at any time, you are NOT a part of the Settlement Class. If you have questions as to whether you converted to LTC3, we recommend that you contact CalPERS and/or the Long Term Care Group.

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  7. What are the Settlement Categories?

    Settlement Class Members are broken out into categories based upon factors such as whether someone currently has a policy or let it lapse, is On Claim or not On Claim, paid premiums after a certain increase, or is living or deceased. These categories dictate how Settlement Class Members will be paid and the type of action they must take, if any, to receive it.

    Final Settlement Category Payments to Participating Settlement Class Members
    Category A: Participating Settlement Class Members who are Current Policyholders and who are not On Claim on the Final Settlement DateParticipating Settlement Class Members who, on the Final Settlement Date, are Current Policyholders and who are not On Claim shall receive a refund equivalent to all premiums paid to CalPERS for their CalPERS LTC Policy from the inception of the policy through the Final Settlement Date, less any benefits paid under the CalPERS LTC Policy. Each Participating Settlement Class Member in this Final Settlement Category shall receive a minimum payment of no less than $10,000. Participating Settlement Class Members in this Final Settlement Category shall Surrender their CalPERS LTC Policy upon payment of this refund. Participating Settlement Class Members in this Final Settlement Category may also be entitled to apply their premium return to a Replacement LTC Policy if one is available. However, the deadline to make this election passed on September 22, 2021.
    Category B: Participating Settlement Class Members who are On Claim both on the Notice Date and the Final Settlement Date and who paid the Challenged IncreaseParticipating Settlement Class Members who paid any part of the Challenged Increase and are On Claim both on the Notice Date and on the Final Settlement Date, shall receive a refund equivalent to all Additional Premiums paid before going On Claim. Participating Settlement Class Members in this Final Settlement Category are not required to Surrender their CalPERS LTC Policy and shall maintain all benefits and contractual rights available under their CalPERS LTC Policy, except those Released Claims expressly released under this Settlement Agreement.
    Category C: Participating Settlement Class Members who are On Claim both on the Notice Date and the Final Settlement Date and who reduced benefits as a result of the Challenged IncreaseParticipating Settlement Class Members who, on both the Notice Date and the Final Settlement Date, are On Claim but reduced their benefits as a result of the Challenged Increase before going On Claim, shall receive an additional one (1) year of benefits based on their Schedule of Benefits (as defined in their CalPERS LTC Policy) as of the Final Settlement Date. In addition, Participating Settlement Class Members in this Final Settlement Category who paid any part of the Challenged Increase before reducing benefits shall also receive a refund equal to all Additional Premiums paid. Participating Settlement Class Members in this Final Settlement Category are not required to Surrender their CalPERS LTC Policy and shall maintain all benefits and contractual rights available under their CalPERS LTC Policy, except those Released Claims expressly released under this Settlement Agreement.
    Category D: Participating Settlement Class Members who let their CalPERS LTC Policy Lapse between February 1, 2013 and December 31, 2014Participating Settlement Class Members who let their CalPERS LTC Policy Lapse between February 1, 2013 and December 31, 2014, and who submit a claim form stating under penalty of perjury that they let their policy lapse as a result of the Challenged Increase shall receive a refund equivalent to one-half (½) of all premiums paid to CalPERS for their CalPERS LTC Policy from the inception of their CalPERS LTC Policy through the date their CalPERS LTC Policy Lapsed, less any amounts paid in benefits under their CalPERS LTC Policy.
    Category E: Participating Settlement Class Members who let their CalPERS LTC Policy Lapse between January 1, 2015, and the Final Settlement DateParticipating Settlement Class Members who let their CalPERS LTC Policy Lapse between January 1, 2015 and the Final Settlement Date and who submit a claim form stating under penalty of perjury that they let their CalPERS LTC Policy lapse as a result of the Challenged Increase will receive all Additional Premiums paid or $2,500, whichever is greater.
    Category F: Participating Settlement Class Members who passed away after February 1, 2013, and before the Final Settlement Date, and who reduced benefits as a result of the Challenged IncreaseThe estates of Participating Settlement Class Members who (1) died after February 1, 2013 and before the Final Settlement Date, (2) were Current Policyholders or were On Claim at the time of their death, and (3) reduced their benefits as a result of the Challenged Increase shall receive all Additional Premiums paid or $2,500, whichever is greater.
    Category G: Participating Settlement Class Members who passed away after February 1, 2013, and before the Final Settlement Date, and who paid the Challenged Increase and never reduced benefits in response to the Challenged IncreaseThe estates of Participating Settlement Class Members who (1) died after February 1, 2013 and before the Final Settlement Date, (2) were Current Policyholders or were On Claim at the time of their death, (3) paid the Challenged Increase, and (4) never reduced their benefits in response to the Challenged Increase shall receive all Additional Premiums paid.
    Category H: Participating Settlement Class Members who paid the Challenged Increase, went On Claim, and exhausted their benefits before the Final Settlement DateParticipating Settlement Class Members who paid the Challenged Increase, who went On Claim at any time before the Final Settlement Date, and exhausted their benefits before the Final Settlement Date, shall receive a refund of all Additional Premiums paid.
    Category I: Participating Settlement Class Members who are Current Policyholders who were not On Claim as of the Notice Date but are On Claim as of the Final Settlement Date Participating Settlement Class Members who are Current Policyholders who were not On Claim as of the Notice Date, but are on Claim as of the Final Settlement Date must submit an election pursuant to Section 5.7 stating whether the Participating Settlement Class Member chooses to (a) Surrender their CalPERS LTC Policy, or (b) keep their CalPERS LTC Policy in place. If the Participating Settlement Class Member elects to keep their CalPERS LTC Policy in place or makes no election, the Participating Settlement Class Member shall receive no relief under the Settlement and shall maintain all benefits and contractual rights available under their CalPERS LTC Policy, except those Released Claims expressly released under this Settlement Agreement. If the Participating Settlement Class Member elects to Surrender their CalPERS LTC Policy, Defendant shall pay into the Settlement Fund, and the Participating Settlement Class Member shall receive, an amount equivalent to a refund of all premiums paid (less benefits received), with a $10,000 mandatory minimum.

    For more information about these Categories, please see the Class Notice. If you disagree with your categorization, please return the form sent to you in your Notice Package with proof to the Settlement Administrator as soon as possible. You can also contact the Settlement Administrator at 1-866-217-8056 (Toll-Free).

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Settlement Benefits

  1. What does the Settlement provide?

    Under the terms of the Settlement, Defendant will pay into a Qualified Settlement Fund maintained by the Settlement Administrator an amount that is equal to benefits payable to all Settlement Class Members who do not request exclusion from the Settlement Class. The total amount will include all monetary benefits due in accordance with the benefits payable to Settlement Class Members based on the categories listed in FAQ 7. If there are no requests for exclusion from the Settlement Class, the total amount to be paid into the Qualified Settlement Fund by CalPERS for payment to Settlement Class Members is estimated to be $2.4 billion. In addition, CalPERS will pay an additional $282.5 million into a fund for contingency costs, settlement administration expenses, attorneys’ fees and expenses and service awards for the Plaintiffs (the “CAF Fund”). One of the “contingencies” the Fund can be used to cover is if a greater than expected number of Class Members exclude themselves or “opt out” of the Settlement. If this occurs, CalPERS may recover up to $150 million from the CAF Fund in order to cover the potential actuarial costs associated with the greater than expected opt outs. Any amounts in the CAF Fund that remain at the conclusion of the Settlement administration process will be returned pro rata (based on their settlement award) to all Participating Class Members.

    Enclosed with the Notice, Settlement Class Members may have received a Form which identifies their Initial Settlement Category and the amount that they are entitled to receive under the Settlement, if their Initial Settlement Category does not change prior to the Final Settlement Date. For those Settlement Class Members who are in Category A, the amount reflects all premiums that have been paid for their CalPERS LTC Policy up to December 31, 2020. If Settlement Class Members remain in Category A as of the Final Settlement Date, Settlement Class Members will also receive all Additional Premiums paid after December 31, 2020, so the amount on the Individual Award Form will increase upon final approval of the Settlement.

    Once the Settlement becomes Final, as defined in the Class Notice, the Settlement payments to Settlement Class Members, the service award to Plaintiffs, Settlement Administration Expenses, and payment to Class Counsel for Court-awarded attorneys’ fees and expenses will be made within 120 calendar days following the date that the Settlement becomes Final. “Final” will mean the latest of the following dates, as applicable: (i) expiration of all potential appeal periods without a filing of a notice of appeal of the final approval order or judgment; or (ii) final affirmance of the final approval order and judgment by an appellate court as a result of any appeal(s), or (iii) final dismissal or denial of all such appeals (including any petitions for review, rehearing, certiorari, etc.) such that the final approval order and judgment is no longer subject to further judicial review.

    Following distribution of the individual Settlement payments, any uncashed checks issued to Settlement Class Members will be sent to the California State Controller’s Unclaimed Money Fund and will include information required by the State Controller to identify the beneficiary of the funds. Any other funds remaining in the CAF Fund will be returned to CalPERS for deposit into the Long-Term Care Fund unless there are sufficient funds remaining in the CAF Fund to distribute proportionately to Settlement Class Members.

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  2. What am I giving up in exchange for the Settlement benefits?

    Settlement Class Members who do not submit a valid Request for Exclusion (see FAQ 15) will release CalPERS and all of its respective current, former, and future parents, subsidiaries, predecessors and successors, and affiliated entities, and each of their respective officers, directors, employees, partners, shareholders, and agents, and any other successors, assigns, or legal representatives from any and all breach of contract claims, rights, demands, liabilities, and/or causes of action of every nature and description, whether known or unknown, arising from or related to the 85% premium increase announced in 2013, including, without limitation, statutory, constitutional, contractual, and/or common law claims.

    In addition, Category A Settlement Class Members will be required to surrender their CalPERS LTC Policy and will not be entitled to any benefits from that policy in the future.

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  3. What are the “Released Claims?” If I am in Category B or C, it states that I will not give up my CalPERS LTC policy but that I will release certain claims against CalPERS. What does this mean?

    “Released Claims” are the claims that you will be releasing against CalPERS and it means that you cannot sue CalPERS in the future for any claims arising from its 85% rate increase that was announced in 2013.

    If you remain in Category B or C, you will keep your CalPERS LTC policy and you will also be entitled to obtain certain benefits from the Settlement. In exchange you will release your claims asserted in the lawsuit against CalPERS for CalPERS’ conduct in raising premiums 85%.

    The Settlement Agreement at paragraph 1.45 defines Released Claims as the following:

    “Released Claims” means any and all Claims that (a) were asserted in the Action, (b) could have been asserted in the Action, (c) hereafter may be asserted, and (d) arise out of or relate to the facts, transactions, events, occurrences, acts, disclosures, statements, omissions, or failures to act concerning the Challenged Increase. Except as to the benefits provided under the terms of this Settlement, “Released Claims” include the denial of benefits to any Settlement Class Member while On-Claim if benefits are denied solely because the Settlement Class Member has exhausted their benefits as a result of choosing to reduce their benefits in response to the Challenged Increase. “Released Claims” specifically do not include any claims arising from the denial of benefits to any Settlement Class Member while On-Claim for any other reason.

    Paragraph 1.45 Settlement Agreement

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  4. How do I get a Settlement payment?

    Subject to the Court’s final approval of the terms of the Settlement, you will automatically be mailed any Settlement payment you are entitled to under the Settlement Agreement to the address where the Notice was mailed (unless you timely provide a forwarding address to the Settlement Administrator) in exchange for which you will give up your claims in this case. If you are entitled to receive an additional year of LTC benefits under the Settlement, you will receive a Schedule of Benefits from CalPERS outlining your increase in coverage.

    Please Note: Action is required by Settlement Class Members in Category A, D & E. For Settlement Class Members in Category A who do not return an Award Acknowledgment Form, it will be assumed that they have elected to surrender their CalPERS LTC policy in exchange for a full refund of their premiums. Settlement Class Members in Category D & E who do not return Claim Forms will NOT get a refund. Online filing of these forms is available here.

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  5. If the Settlement is approved, when will I receive my payment?

    Checks will be mailed to eligible Settlement Class Members after the Court grants “final approval” of the Settlement. If the Court approves the Settlement after a hearing on June 8, 2022, there may be appeals. If there are any appeals, resolving them could take some time, so please be patient. Please also be advised that you will only have 180 days from the date that the checks are issued to cash the check. If you do not cash your check within 180 days of the date of its issuance, your individual Settlement check will be voided. You will be permitted to request the reissuance of the check from the Settlement Administrator for a period of up to 90 days thereafter.

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  6. If I accept a return of all premiums, will that be a taxable event?

    Plaintiffs’ Counsel are not tax lawyers and are not providing any tax advice to you or the Class Members. The answer is likely dependent on each taxpayer’s individual financial and income/deduction reporting circumstances. Each Class Member is encouraged to consult with a tax advisor of their own choosing before deciding how to proceed.

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  7. How do I dispute my award amount or categorization?

    If, and only if, you believe you have reasonable grounds to dispute your Settlement Class Member categorization or the award amount listed in your received Award or Lapse Form, please submit it to disputes@CalPERSLTCClassAction.com or by mailing your dispute to:

    Wedding v. CalPERS
    P.O. Box 6790
    Portland, OR 97228-6790

    Please include your name, policy number, an explanation of your dispute, and any documentation that supports your dispute. Reasonable grounds for disputing your categorization could include that you recently went On Claim.

    Please Note: The Award, Lapse or Estate Form you received identifies the Initial Settlement Category that you fell into as of March 31, 2021, and the amount of the benefits that you will be entitled to receive from the Settlement if you remain in that Settlement Category as of the Final Settlement Date.

    If you are a survivor of a deceased Settlement Class Member and believe the Settlement Class Member should be recategorized (or that you believe their estate’s award amount may be incorrect), you should submit a written dispute on behalf of their estate to the email or address above. Your dispute should include your name, relationship to the Settlement Class Member, the Settlement Class Member’s death certificate, documentation showing you have authority to discuss and handle the affairs of the deceased Settlement Class Member’s estate, and the Settlement category you believe the Settlement Class Member should be recategorized to and why.

    All dispute documentation received by the administrator will be carefully reviewed. You will be contacted if more information is needed regarding your dispute, or if the Parties and the Settlement Administrator have made a determination that you should be recategorized and receive a replacement Notice Package.

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Excluding Yourself from the Settlement

  1. How do I exclude myself or “opt out” of the Settlement?

    If you do not wish to participate in the Settlement (“opt out”), you must complete and send a timely Request for Exclusion form, or another writing containing all required information. A sample Request for Exclusion form is available by clicking here. A Request for Exclusion must be signed, dated, and mailed by First-Class U.S. Mail, or the equivalent, postmarked no later than December 13, 2021, to the following address:

    Wedding v. CalPERS
    P.O. Box 6790
    Portland, OR 97228-6790

    Settlement Class Members who fail to submit a valid and timely Request for Exclusion on or before December 13, 2021, will be bound by all terms of the Settlement and any final judgment entered in the Action if the Settlement is approved by the Court. Also, to verify that your Request for Exclusion was received by the Settlement Administrator, you should call the Settlement Administrator to confirm it was received at 1-866-217-8056 (Toll-Free).

    Additionally, the Settlement has a process allowing Class Members who do not receive notice due to extraordinary circumstances to submit an application requesting that they be permitted to opt out of the Settlement after the Opt Out deadline. However, the circumstances under which someone will qualify as a Late Opt-Out are extremely limited. Therefore, if you intend to opt out of the Settlement, it is important that you do so well in advance of the deadline.

    Please note that Request for Exclusions cannot be submitted via phone, email, or on this website.

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  2. If I exclude myself, can I get anything from the Settlement?

    No. If you exclude yourself, you will not get anything from the Settlement. If you ask to be excluded, you will not get a Settlement payment and you will not be bound by the Settlement and, if you are current policyholder, you will retain all of the benefits of your CalPERS LTC Policy provided you continue to pay premiums to CalPERS.

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  3. Can I receive a premium refund if I ask to be excluded from the Settlement, and then later change my mind and decide to drop my CalPERS LTC Policy?

    No. The Settlement is the only way a policyholder who cancels his or her CalPERS LTC Policy can receive a refund of premiums. If you exclude yourself from the Settlement and then later decide to drop your coverage, CalPERS will not refund your premiums and you will forfeit all of the premiums you paid since you first signed up for your Policy.

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  4. If I do not exclude myself from the Settlement, can I sue later?

    No. Unless you exclude yourself from the Settlement, you give up the right to sue the Defendant for the claims in this lawsuit. You must exclude yourself from the Settlement Class to start or continue your own lawsuit.

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  5. Are there any other important factors I should consider when making my decision to accept the Settlement or exclude myself from the Settlement?

    Yes. There are several important facts you should consider in making your decision. The actuaries hired by Class Counsel have thoroughly examined the claims history of the CalPERS LTC Program over the past 25 years. Based on this history, the actuaries estimate that only 41% of current policyholders will ever use their LTC Insurance. This information is important for you to consider in weighing the benefit of receiving a full refund of all premiums paid to CalPERS (less any benefits received) or deciding to remain with the CalPERS LTC Program and continue paying premiums.

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  6. What if too many people decide to exclude themselves from the Settlement?

    Under the terms of the Settlement, CalPERS has the right to walk away from the Settlement if too many individuals elect to be excluded from the Settlement or if the financial impact of the Settlement puts the LTC Fund at risk of insolvency. If this occurs, the lawsuit will continue as if there was no Settlement. This is another reason why it is important that you continue paying premiums to CalPERS until the Settlement is final.

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  7. Does it mean I have opted out of the Settlement if I am in Category I?

    No. If you go On Claim AFTER August 13, 2021 and are still On Claim on the Final Settlement Date, you will be given the option to keep your CalPERS LTC policy in force OR you can decide to take a premium refund (less benefits paid). You will not have to opt out of the Settlement.

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The Lawyers Representing You

  1. Do I have a lawyer in this case?

    The Court has appointed the following lawyers to serve as Class Counsel for the Settlement Class:

    Michael J. Bidart
    SHERNOFF BIDART ECHEVERRIA LLP
    600 South Indian Hill Boulevard
    Claremont, CA 91711
    email mbidart@shernoff.com
    Gregory L. Bentley
    BENTLEY & MORE, LLP
    4931 Birch Street
    Newport Beach, CA 92660
    email gbentley@bentleymore.com
    Gretchen M. Nelson, Esq.
    NELSON & FRAENKEL LLP
    601 South Figueroa Street
    Suite 2050
    Los Angeles, CA 90017
    email gnelson@nflawfirm.com
    Stuart C. Talley
    KERSHAW, COOK & TALLEY PC
    401 Watt Avenue
    Sacramento, CA 95864
    email stuart@kctlegal.com

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  2. How will the costs of the lawsuit and the Settlement be paid?

    In addition to the refunds and other relief provided to Class Members, as part of the Settlement, CalPERS has also agreed to separately pay the Class Counsel’s attorneys’ fees and expenses. Subject to Court approval, Class Counsel will apply for an award of attorneys’ fees that are no greater than 9% of the total amount paid to the Class under the Settlement and up to $2,000,000 in unpaid litigation expenses. All attorneys’ fees and expenses sought by Class Counsel must be paid entirely from the CAF Fund, and under no circumstances will the amounts awarded for attorneys’ fees and costs reduce any payments provided to Class Members under the Settlement Agreement.

    In addition, a request will be made to the Court for approval of a total amount not to exceed $85,000 for Service Awards to be paid from the CAF Fund to the Plaintiffs for bringing this lawsuit and for taking on the risk of litigation, and for the extensive assistance they provided throughout the course of the Action. The Court may award less than the amount requested for Service Awards.

    The Settlement Administrator’s costs and fees associated with administering the Settlement, as well as those of the Mediator who may be required to resolve certain disputes under the Settlement, which are in total estimated not to exceed $5,000,000, will also be paid out of the CAF Fund.

    If lesser amounts are awarded for Attorneys’ Fees and Expenses, Settlement Administration Expenses or Plaintiffs’ Service Awards, the remaining amount will be available for distribution to Settlement Class Members proportionately.

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Objecting to the Settlement

  1. How do I object to the Settlement?

    Any Settlement Class Member may object to the proposed Settlement, or any portion thereof, by mailing a written objection, and supporting papers, to the Settlement Administrator at the following address by regular U.S. Mail, postmarked no later than December 13, 2021, or as modified subject to remailing:

    Wedding v. CalPERS
    P.O. Box 6790
    Portland, OR 97228-6790

    A written objection must contain:

    1. The case name and number for this action (Holly Wedding, et al. v. California Public Employees’ Retirement System, et al., Case No. BC517444);
    2. The full name of the objecting Settlement Class Member;
    3. The Settlement Class Member’s LTC policy number;
    4. The basis for the objection;
    5. If the Settlement Class Member intends to appear at the Final Approval Hearing (see FAQ 26); and
    6. The identity of the Settlement Class Member’s counsel, if any.

    If a Settlement Class Member wishes to appear at the Court’s Final Approval Hearing and orally present his or her objection to the Court, the objector’s written statement should include the objector’s statement of intent to appear at the Court’s Final Approval Hearing. Notwithstanding, in the discretion of the Court, any Settlement Class Member, or person purporting to object on behalf of any Settlement Class Member, may be received or considered by the Court at the Final Approval Hearing, regardless of whether a written notice of objection is filed or delivered to the parties. Any Settlement Class Member who files an objection remains eligible to receive monetary compensation from the Settlement unless the Settlement Class Member submits a timely and valid Request for Exclusion. If the Court overrules any objections and grants final approval of the Settlement, any Settlement Class Member who submitted an objection but did not submit a timely and valid Request for Exclusion will be bound by the Release set forth in Question 7 of the Class Notice.

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  2. What is the difference between objecting and asking to be excluded?

    Objecting is simply telling the Court you do not like something about the Settlement. If you object, you are still a part of the Settlement Class. Excluding yourself is telling the Court that you do not want to be part of the Settlement Class.

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The Court’s Final Approval Hearing

  1. When and where will the Court decide whether to approve the Settlement?

    The Court will hold a hearing to decide whether to approve the Settlement. You may attend and you may ask to speak at the Final Approval Hearing, but you do not have to. If you intend to appear at the Final Approval Hearing, it is important to visit the Los Angeles County Superior Court website at www.lacourt.org to determine whether there are any social distancing or COVID-19 related guidelines for in-person court appearances.

    The Court will hold a “Final Approval Hearing” on June 8, 2022, at 10:00 a.m., in Department 10 at the Superior Court of California for the County of Los Angeles, located at 312 N. Spring Street, Los Angeles, CA 90012. The hearing may be moved to a different date and/or time without additional notice, but any change of date or time will be posted on this website. At this hearing, the Court will consider whether the Settlement is fair, reasonable, and adequate. If there are objections, the Court will consider them. The Court will also decide how much to pay Class Counsel for their fees. After the hearing, the Court will decide whether to approve the Settlement. It is unknown how long these decisions will take.

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  2. Do I have to come to the hearing?

    No. Class Counsel will answer any questions the Court may have. But, you are welcome to come at your own expense. If you send an objection, you do not have to come to Court to talk about it. As long as you have mailed your written objection on time, the Court will consider it. You may also pay (at your own expense) another lawyer to attend for you, but it is not required.

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  3. May I speak at the hearing?

    If you wish to appear at the Final Approval Hearing and orally present your objection to the Court, you should include in your written objection that you intend to appear at the Final Approval Hearing. Notwithstanding, in the discretion of the Court, any Settlement Class Member who has not requested exclusion, or person purporting to object on behalf of any Settlement Class Member, may be received or considered by the Court at the Final Approval Hearing, regardless of whether a written notice of objection is mailed to the Settlement Administrator.

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  4. Is there a chance the Settlement may not go forward?

    Yes. Under the terms of the Settlement, CalPERS has the option to void the Settlement Agreement if a certain number of Class Members exclude themselves from the Settlement, or if proceeding with the Settlement would cause the Long-Term Care Program to become underfunded. Also, there is a possibility that the Court may not grant Final Approval of the Settlement. If either of these events occurs, the litigation against CalPERS will continue.

    Since there is the possibility that the Settlement may not go forward, it is critical that Settlement Class Members continue paying premiums to CalPERS and make other decisions concerning LTC Insurance as if there was no Settlement.

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  5. If there is no Settlement, how much longer will this case last?

    Plaintiffs’ Counsel estimates that this case will likely last several more years if the Settlement is not approved by the Court. If the Settlement is not approved, the trial of the third phase of the case will take place sometime in late 2022. If Plaintiffs and the Class are successful, there will likely be appeals that could take several years. And if the appellate court should reverse the verdict (or reverse the Court’s orders deciding the first and second phases of the case) and order a new trial, Plaintiffs would essentially have to start over, and the case could go on much longer.

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  6. If Plaintiffs prevail at trial, what will happen to the Long-Term Care Fund?

    The third phase of the trial will occur sometime in late 2022 if the Settlement is not approved. In order to prevail, the Plaintiffs must establish that CalPERS breached the insurance contract between it and Class Members and that the breach resulted in damages to the Class. If Plaintiffs win the case and obtain a significant judgment, and win all appeals, there is uncertainty as to the long-term impact on the LTC Fund. In Plaintiffs’ Counsel’s view, the only way a judgment could be paid that would allow the LTC Fund to remain solvent, is for the California Legislature to appropriate funds to essentially bail out the LTC Fund. In CalPERS’ view, the California Legislature has no obligation to do so. Uncertainty as to whether, how, and when a judgment would be paid, is one of the reasons why the Plaintiffs and Plaintiffs’ Counsel are recommending the Settlement, since the delays will likely only hurt policyholders.

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  7. If the case continues to be litigated for several more years, what happens to Class Members who die?

    Since this lawsuit was filed in 2013, more than 16,000 Class Members have died, and the actuaries hired by Plaintiffs’ Counsel estimate that thousands more will pass away within the next 4 years. Although the heirs of Class Members who die while the case is pending may be entitled to a recovery, the amount of that recovery will be significantly less than what is available under the Settlement as a result of legal arguments that will likely be raised by CalPERS.

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  8. Could Plaintiffs and the Class lose the case?

    Yes. As in any lawsuit, there is a risk that Plaintiffs may not prevail at trial or on appeal. CalPERS has raised several defenses that could result in a verdict in its favor or significantly reduce the amount of damages awarded to the Class. For example, to prevail at trial, Plaintiffs must show that the 85% premium increase was implemented “as a result of” the “automatic inflation protection” coverage that was selected by a large number of policy holders. CalPERS has argued that the 85% premium increase was unrelated to the inflation protection coverage and instead was implemented because of poor investment returns and other reasons not tied to the costs of providing inflation protection coverage. If the jury accepts CalPERS’ position, the Class would receive nothing. CalPERS also argues that—even if it did breach the insurance contract—no damages should be awarded to any Class Member who reduced benefits or dropped their policies in response to the 85% premium increase. It argues that it is impossible to know whether individuals in these categories will ever be damaged by the premium increase since it is impossible to know whether they will ever need Long-Term Care or exhaust any reduced benefits. Although Class Counsel believe that they will be able to overcome these arguments, there is still a risk that a jury or trial or appellate court may accept CalPERS’ position on these and other issues.

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If You Do Nothing

  1. What happens if I do nothing at all?

    If you do nothing, you will automatically receive the benefits provided for in the Settlement in accordance with the Final Settlement Category as described in FAQ 7 and you will be bound by the release of claims, subject to the Court’s final approval of the terms of the Settlement.

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The Recent CalPERS Premium Increase

  1. What about the recently announced CalPERS premium increase?

    As you may have heard, CalPERS recently announced that it would be increasing premiums by 52% in 2021 and up to an additional 25% in 2022. This effectively results in an up to 90% premium increase because it is compounded over the next 2 years. This is the eighth increase since the CalPERS Long-Term Care Insurance Program was implemented in 1995. CalPERS has also indicated that this may not be the last premium increase it will impose. (For more information about the premium increase, please visit www.calpers.ca.gov/page/active-members/health-benefits/long-term-care).

    There is currently no lawsuit seeking to oppose the new premium increase of up to 90% and challenging the new premium increase may prove difficult. According to CalPERS, the new premium increase is not targeted toward individuals with inflation protection (instead being due to low interest rates and investment returns and negative experience factors), and so the increase could satisfy the Court’s prior interpretation of the insurance contract between Class Members and CalPERS as a permissible premium increase.

    Class Counsel have heard from many Class Members that they would not be able to afford yet another increase, and a further substantial benefit reduction could essentially make their policy worthless. The purpose of this Settlement is to provide Class Members who are current policyholders and who are not On Claim an opportunity to extract themselves from the CalPERS LTC Program by receiving a complete refund of all premiums paid into the program from its inception, less any benefits paid. Alternatively, eligible Class Members can elect to transfer their premiums from CalPERS to a different, private insurer for a replacement Long-Term Care policy, if such a policy is available, as described above. The deadline to submit the Award Acknowledgment and Election Form for a Potential Replacement Policy (Category A, Option 2) passed on September 22, 2021.

    If you decide to exclude yourself from the Settlement and keep your CalPERS LTC Policy, you will have to either pay the recently announced premium increase or reduce your benefits. Should you exclude yourself from the Settlement and later decide to stop paying your LTC premiums, your policy would lapse and you would forfeit all premiums ever paid into the Program. The Settlement is the only way a policyholder who cancels his or her CalPERS LTC Policy can receive a refund of premiums.

    CalPERS has provided or soon will be providing you with information regarding your options for reduction of benefits and also the amount you will have to pay if you choose to pay the CalPERS premium increase. The announcement of this new premium increase, the potential for future premium increases, the financial viability of the Program, and the many additional years this lawsuit could continue if not settled are some of the many reasons that Plaintiffs’ Counsel and the Plaintiffs are recommending the Settlement.

    Please Note: It is critical that you continue paying your CalPERS LTC Policy premiums as if there was no settlement. This includes either paying the upcoming premium increase CalPERS recently announced or reducing your benefits pursuant to the process described by CalPERS in its premium increase notice. It is important you make the decisions regarding your CalPERS LTC Policy as if there was no settlement since there is no guarantee the Settlement will be approved by the Court.

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  2. Is the CalPERS LTC Program in good financial condition?

    One of the reasons the Plaintiffs and Plaintiffs’ Counsel are recommending the Settlement is because they believe that, without it, the LTC Fund will not be able to meet its financial obligations to pay claims in the future. Relatedly, the reason the CalPERS Board approved the upcoming premium increase is that it believed the premium increase was necessary to maintain the financial health of the Long-Term Care Fund. CalPERS has raised premiums on eight separate occasions since 2003, and the Plaintiffs and Plaintiffs’ Counsel have been advised by many Class Members that they will not be able to afford the recently announced premium increase which could effectively result in a 90% increase over the next 2 years. CalPERS has also stated that it reserves the right to impose additional future premium increases (beyond the upcoming up to 90% increase) if it determines they are necessary to maintain the solvency of the Long-Term Care Fund .

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  3. Why isn’t the Court stopping CalPERS from implementing the upcoming 90% premium increase?

    This lawsuit only involves the 85% premium increase that was announced by CalPERS in February 2013 (and implemented in 2015-2016). There is currently no lawsuit seeking to oppose the new premium increase of up to 90%, and challenging the premium increase may prove difficult. The reason for this is that the Court entered an order interpreting the insurance contract between Class Members and CalPERS and ruled that a premium increase is permitted under the contract as long as the premium increase is not as a result of the annual increases in benefit maximums provided by policies with automatic inflation protection benefits. According to CalPERS, this new premium increase is not targeted towards individuals with inflation protection and was needed because of low interest rates (investment returns) and negative experience factors, and not costs imposed on the Long-Term Care Fund as a result of automatic inflation protection benefits.

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Specific Category A FAQ's

  1. I submitted my Award Acknowledgment and Election Form by the September 22, 2021 deadline and elected a Potential Replacement LTC Policy (Category A, Option 2), so what should I do now?

    It is vital that you continue paying premiums as if there was no Settlement until the Final Settlement Date. Another letter will be sent to you on or around October 27, 2021 confirming whether the Replacement LTC Policy will be available and, if so, providing additional information about the insurer and how to access further details regarding the coverage. Once you are notified whether replacement policies will be offered, you will be given an opportunity to accept the Replacement LTC Policy if one is being offered, or you can decline the Policy and elect to receive a premium refund or opt out of the Settlement.

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  2. What will I receive under the Settlement?

    If you are a current policyholder—meaning you are continuing to pay premiums and are not currently On Claim—and you remain a current policyholder as of the Final Settlement Date, you will receive a full refund of all premiums you have paid for your CalPERS Long-Term Care Insurance Policy (“CalPERS LTC Policy” or “Policy”) from the date you first signed up for the Policy through the date the Settlement becomes final (also known as the “Final Settlement Date”). The amount of the refund of premiums that you receive will be reduced by the amount of any benefits you received if you went on and off claim at any time prior to the Effective Date.

    However, in exchange for this full refund you will be surrendering your CalPERS LTC Policy and will not be entitled to receive any benefits from that Policy after the Final Settlement Date and you will be releasing all Released Claims against CalPERS. If you want to keep your CalPERS LTC Policy, you must exclude yourself from the Settlement. Instructions on how to request exclusion or “opt out” of the Settlement are available in FAQ 15.

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  3. If I decide to purchase a Replacement LTC Policy (Option 2), what will that policy provide?

    The deadline to submit the Award Acknowledgment and Election Form for a Potential Replacement Policy (Category A, Option 2) passed on September 22, 2021. Once it is determined how many and which policyholders initially elected Option 2 in the Award Acknowledgment Form, the brokers working on behalf of the Class will attempt to procure a policy with the following minimum characteristics:

    1. The replacement long-term care insurance will be backed by a large insurance carrier that is rated “A” or higher;
    2. The replacement long-term care insurance will be regulated by the California Department of Insurance;
    3. Any new replacement long-term care policy will not require underwriting;
    4. Policyholders will not have to pay any further premiums to the new insurance carrier going forward—instead, the policy will be funded by the transfer of the premium refund you would receive under this Settlement to the new insurance carrier;
    5. The policies will provide coverage for three (3) years of LTC benefits; and
    6. As for the nursing home daily benefit amounts, the broker has informed us that the final daily benefit amount you will receive will vary based on the amount of your premium refund and your age, among other potential factors. In any event, and subject to the caveat below the following table, any replacement LTC policy that is sought from insurers will have a nursing home daily benefit amount falling somewhere within the following minimum/maximum range:

    Refund Amount Minimum Nursing Home Daily Benefit Maximum Nursing Home Daily Benefit
    Under $40,000$142.50$157.50
    $40,000 - $60,000$182.25$204.75
    $60,000 - $80,000$209.00$231.00
    $80,000 - $100,000$232.30$257.70
    $100,000 - $140,000$289.75$320.75
    $140,000 and Above$308.75$341.25

    It is important to understand that the daily Nursing Home Benefit Amount noted above will be the lesser of the amount above corresponding to your premium refund, OR your current benefit level within the CalPERS Plan. In other words, if your daily benefit amount is currently lower than the amounts listed in the chart, that is the daily benefit amount you will receive under the new policy.

    Although the benefits offered under the Replacement Policies are likely less than what you have with CalPERS, it is important to recognize that the Replacement Policies will not require the payment of any future premiums, will not require underwriting, will be regulated by the state of California, and will have no affiliation with CalPERS or any government entity.

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  4. If I selected Option 2 for Replacement LTC Policy, when will the policy begin providing coverage?

    The deadline to submit the Award Acknowledgment and Election Form for a Potential Replacement Policy (Category A, Option 2) passed on September 22, 2021. If you selected Option 2, there is no guarantee you will receive a Replacement LTC Policy. As indicated in the Class Notice, the broker who is working on behalf of the Class will attempt to obtain replacement LTC policies for Settlement Class Members, who are current Long-Term Care policyholders as of the Final Settlement Date, once it is determined who and how many selected this option. Now that the September 22 deadline has passed, the brokers have 30 days to obtain Replacement Policies for Settlement Class Members who selected this option. You will then be notified whether the replacement policies are available. Once the Settlement becomes Final, meaning it is approved by the Court and there are no appeals, your premium refund will be transferred to the replacement insurance carrier and, once received, your replacement policy will go into effect. Since there is a delay between the time you select Option 2 and the date your policy will become effective, it is important to continue paying premiums to CalPERS until the new policy goes into effect.

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  5. If the brokers cannot obtain an adequate Replacement LTC Policy, what happens?

    The broker who is working on behalf of the Class will attempt to obtain replacement LTC policies for Settlement Class Members once it is determined who and how many select this option. After all Settlement Class Members have made their election, the broker will then have 30 days to obtain Replacement Policies for Settlement Class Members who selected this option. You will then be notified whether the replacement policies are available.

    If, for some reason, the broker is unable to secure a replacement Long-Term Care policy for interested Settlement Class Members (due to a lack of interest, insurer refusal, actuarial issues, or other unforeseen problems), Settlement Class Members will still have the right to either receive a full refund of their net premiums, or exclude themselves from the Settlement and stay with CalPERS (Option 1 or 3 in the Award Acknowledgment Form). In either scenario, Settlement Class Members will have limited time to make that choice once a replacement Long-Term Care insurance product is determined.

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  6. If I select the option of purchasing a Replacement LTC Policy (Option 2), can I change my mind?

    The deadline to submit the Award Acknowledgment and Election Form for a Potential Replacement Policy (Category A, Option 2) passed on September 22, 2021.

    Selecting this option could impact whether the Replacement LTC Policy is ultimately offered, so we encourage you to select Option 2 only if you are committed to a Replacement LTC Policy since the pricing of the Replacement LTC Policies is based on how many and who decides to elect this option. Assuming a Replacement LTC Policy is feasible and achievable, another letter will be sent to you on or around October 27, 2021 providing additional information about the insurer and how to access further details of the coverage. Once you are notified whether replacement policies will be offered, you will be given an opportunity to accept the Replacement LTC Policy if one is being offered, or you can decline the Policy and elect to receive a premium refund or opt out of the Settlement.

    For additional information on selecting a different option on your Award Acknowledgment Form, please call the Settlement Administrator at 1-866-217-8056 (Toll-Free).

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  7. What if I don’t return my Award Acknowledgment Form?

    If you do not return your Award Acknowledgment Form, it will be assumed that you have elected to Surrender your CalPERS LTC policy in exchange for a full refund of your premiums. However, it is important to sign and return the form in order to ensure that your Settlement check is delivered to the correct address and made out to the appropriate party. For this reason we urge you to return the Award Acknowledgment Form. You may also submit the Acknowledgment Form online here.

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  8. What if I wanted to select Option 2, but I missed the September 22, 2021 deadline to select this on my Award Acknowledgment Form?

    The deadline to have mailed or submitted the Award Acknowledgment and Election Form for a Potential Replacement Policy (Category A, Option 2) was September 22, 2021.

    If you did not submit the Award Acknowledgment Form selecting (Category A, option 2) by September 22, 2021, then you are no longer eligible for this specific option. If you want to keep your CalPERS LTC Policy, you must exclude yourself from the Settlement by December 13, 2021 by following the directions available in FAQ 15.

    If you do not return a form requesting exclusion, it will be assumed that you have elected to Surrender your CalPERS LTC policy in exchange for a full refund of your premiums.

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  9. If I want to keep my CalPERS LTC Policy what should I do?

    If you want to keep your CalPERS LTC Policy, you must exclude yourself from the Settlement by following the directions available in FAQ 15 or by returning the Award Acknowledgment Form and checking Option 3. However, please be aware that if you exclude yourself from the Settlement, you will not receive a refund of any premiums and will have to continue paying premiums to CalPERS in the future to prevent your Policy from lapsing. This obligation to continue paying premiums also includes paying the recently announced premium increase of up to 90%, or reducing your benefits, as well as any other premium increases CalPERS may elect to impose in the future. You will also not release any claims against CalPERS if you exclude yourself from the Settlement.

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  10. Will my premium refund be reduced by attorneys’ fees or litigation expenses?

    No. As part of the Settlement, CalPERS has agreed to create a separate fund on top of the amount being paid to Class Members to cover the cost of notice, litigation expenses, attorneys’ fees, and other potential costs that may be associated with opt outs. If the Settlement is approved by the Court, and you remain a current policyholder on the Final Settlement Date, you will never receive anything less than a full premium refund (less any benefits paid).

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  11. How does the up to 90% premium increase that CalPERS recently announced factor into my decision?

    CalPERS recently announced that it would be increasing premiums by 52% in November 2021 and up to an additional 25% in 2022. If the two premium increases are fully implemented, this effectively amounts to a combined 90% increase over the next 2 years. If you decide to exclude yourself from the Settlement and keep your CalPERS LTC Policy, you will have to either pay the premium increase or reduce your benefits. CalPERS has provided or soon will be providing you with information regarding your options for reduction of benefits to avoid the premium increase and also the amount you will have to pay if you choose to pay the CalPERS premium increase. The announcement of this new premium increase and future potential premium increases is one of the key reasons that Plaintiffs’ Counsel and the Plaintiffs are recommending the Settlement.

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  12. If I want to participate in the Settlement, should I continue paying premiums to CalPERS until the Settlement becomes final?

    Yes. The Settlement must be approved by the Court for it to become effective and for you to receive the Settlement benefits. A hearing to determine if the Court will approve the Settlement is currently set for June 8, 2022. If the Settlement is approved, and there are no appeals, the Settlement will officially take effect approximately 60 days later. This date is known as the “Final Settlement Date.” If the Settlement is not approved and you stop paying premiums, you will forfeit all the premiums you have paid, and you will also lose your LTC Policy benefits. For these reasons, it is vital that you continue paying premiums as if there was no Settlement until the Final Settlement Date. If the Settlement is approved and you are not On Claim and have not asked to be excluded from the Settlement, you will receive all of the premiums you paid up to the Final Settlement Date (less any benefits paid).

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  13. Do I still have to pay the recently announced premium increase when those increases take effect if the Settlement is not yet Final?

    Yes. There is always a chance the Settlement will not be approved or that approval may be delayed. Thus, it is critical that you continue paying your CalPERS LTC Policy premiums as if there was no Settlement. This includes either paying the upcoming premium increase CalPERS recently announced or reducing your benefits pursuant to the process described by CalPERS in its premium increase notice. It is important that you make the decisions regarding your CalPERS LTC Policy as if there was no Settlement since there is no guarantee the Settlement will be approved by the Court.

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  14. If I decide to let my policy lapse before the Final Settlement Date, will this affect the amount I receive from the Settlement?

    Yes. If the Settlement is approved, the amount you receive under the Settlement will be based on your status on the Final Settlement Date. Since the Settlement only provides full premium refunds to “current policyholders,” if you stop paying premiums and allow your CalPERS LTC Policy to lapse before the Final Settlement Date you will not be considered a “current policyholder” and will not receive a full premium refund. Instead, you will receive substantially less as described further in the Class Notice.

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  15. Will I receive a refund of the premiums I pay between now and the Final Settlement Date?

    Yes, as long as you remain a current policyholder. The Settlement provides that Class Members who are current policyholders and who are not On Claim will receive a full refund of all premiums paid (minus benefits received) until the Final Settlement Date, including all premiums paid following the upcoming premium increase.

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  16. If I paid the Benefit Increase Option but never had the Inflation Protection Benefit, am I a member of the Settlement Class?

    No. The CalPERS LTC Policy offers an inflation protection benefit, sometimes referred to as automatic inflation protection, under the heading “Benefit: Inflation Protection.” This is a different benefit from the benefit, sometimes referred to as “BIO,” offered under the heading “Benefit: Benefit Increase Option.” If you did not elect the automatic inflation protection benefits and only chose to pay the Benefit Increase Option, you are NOT a member of the Settlement Class and you are not entitled to any of the benefits of the Settlement. But, if you also had lifetime benefits and you paid the Benefit Increase Option, you are a member of the Class certified by the Court’s Order of January 28, 2016 and you retain the right to appeal the Court’s Statement of Decision when a final judgment is issued in this case.

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  17. What if I need to go “On Claim” before the Final Settlement Date?

    If at any time between now and the Final Settlement Date, you need to go On Claim, you can apply to do so under your CalPERS LTC Policy. If you qualify, you will be able to choose after the Final Settlement Date whether to receive a refund of your previously paid premiums or to continue receiving benefits under your CalPERS LTC Policy. However if you choose to continue receiving benefits, you will not receive a refund of your previously paid premiums. Also, as has always been the case, if you qualify to go On Claim, your premiums will be waived while you are On Claim.

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Getting More Information

  1. How do I get more information?

    This website and the Notice summarize the Settlement. More details are in the Settlement Agreement and filings made before the Court. Such documents are accessible on this website by clicking here. You may also contact Class Counsel or the Settlement Administrator for more information.

    Do not contact the Court, CalPERS, or the Long-Term Care Group about the Settlement, as they will be unable to provide you with additional information.

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  2. How do I update my Address?

    Settlement payments you are entitled to under the Settlement Agreement will be sent to the address the Class Notice was mailed to. It is your responsibility to update the Settlement Administrator if you move or your contact information changes. You can provide your updated contact information by sending the information to the Settlement Administrator at the following address or email:

    Wedding v. CalPERS
    P.O. Box 6790
    Portland, OR 97228-6790
    info@CalpersLTCClassAction.com

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