Prudential Financial Inc. is rolling out a long term care insurance benefits plan that will bill covered employees directly, rather than relying on employers’ payroll deduction systems.

The program, designed mainly for small and midsize employers, includes a package of communications and enrollment materials, according to Prudential, Newark, N.J.

In addition to billing employees directly, Prudential says it is trying to reduce hassles for employers by giving employees enrollment materials through the Web.

Employers can offer the program to all employees working more than 20 hours a week, and they can choose a lifetime coverage maximum of up to $328,500, Prudential says.

In addition to employees’ spouses, employee relatives eligible to apply for coverage through the program include employees’ parents, grandparents and adult children.