Long Term Care

Emory offers optional coverage for long term care through UNUM.

Your coverage is portable, which means you may continue coverage when you leave Emory. Long term care is designed for people who need assistance with daily living activities due to an accident, illness or advancing age. You may receive long term care either in your home or in a facility.

Benefits are paid when a physician certifies a person can no longer perform at least two of the following:

There is a 60-day waiting period before benefits are paid. Monthly coverage can be purchased in increments of $1,000 (from $1,000 to $8,000). You can elect a benefit of three years, six years or an unlimited duration.

Other family members also may take advantage of Emory's group rates, but there is no guarantee of coverage.

If you apply when first eligible, no Evidence of Insurability is required for up to $6,000 in monthly benefits for you and/or your spouse/SSDP. If you apply after 31 days you must complete a medical questionnaire and be approved by UNUM. For additional information, contact UNUM at 800-227-4165.