Human Resource Management

UNUM Long Term Care

Eligibility

Full time employees are eligible for UNUM's Long Term Care plan. Your spouse, parents and grandparents are also eligible. Coverage is not available to children or individuals under age 18.

If you enroll during the initial 30 day enrollment period, you will automatically be accepted into the plan without proof of good health or "guaranteed issue". Enrollment for parents, parents-in-law, grandparents, and grandparents-in-law are subject to underwriting approval.

Long-term care insurance is designed to provide financial assistance to help cover the cost of nursing home care or home care for individuals that need assistance with the activities of daily living. This policy offers you and your family affordable protection against the financial risk associated with in-home or nursing home care.

Coverage is portable meaning any coverage you purchase is yours for as long as you pay the premium.

Benefits begin after 60 consecutive days of continual loss of functional capacity or mental impairment. While receiving benefits you will not be required to pay premiums for your coverage.

Benefits are purchased in units of $1,000 of coverage and are banded by age. Premiums are based on age at time of enrollment and will not increase over time. Duration of coverage is 3 years or 6 years, and levels include:

Basic
Basic with total care
Basic with 5% simple inflation
Basic with total care 5% simple inflation

Please call the Benefits Section at (504) 568-7780 for an application form.