Long Term Care

About Long Term Care

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

• Bathing
• Dressing
• Eating
• Toileting
• Transferring

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.

Plan Options

• Plan 1 (Base Plan):  Provides a facility monthly benefit that does not change over time.
• Plan 2 (Base Plan with Compound Inflation Option):  The facility monthly benefit chosen at enrollment increases each year by 5%. With this plan, the facility benefit, home benefit and lifetime maximum increases with each year of participation.

The younger you are when you enroll, the lower the cost. However, rates are subject to change in the future, depending on the overall use of the benefits of all covered persons or changes in the benefits levels, plan design or other risk factor.

Benefit Levels

Whether you elect Plan 1 or Plan 2, you need to decide:

• Your facility monthly benefit: You can elect $1,000, $2,000, $3,000, $4,000, $5,000, $6,000, $7,000* or $8,000* for your monthly benefit to facility for your care.
• Your facility duration benefit: You can elect 3 years, 6 years, or unlimited years* for your care at a facility.

 *Medical underwriting required.

Eligibility

Regular full-time or part-time employees scheduled to work 20 hours or more per week are eligible.

Spouses and other family members of eligible employees are also eligible to take advantage of Emory’s group rates, but there is no guarantee of coverage (adult children, siblings, parents, parents-in-law, grandparents and grandparents-in-law).

Temporary employees are not eligible for Long Term Care.

Cost

Cost is determined by:

• Choice of Plan 1 or Plan 2
• Facility monthly benefit
• Facility duration benefit
• Your age at enrollment

Use the Long Term Care Premium Worksheet to calculate your costs.

Long Term Care rates are subject to change in the future depending on the overall use of the benefits of all covered persons or changes in the benefits levels, plan design or other risk factor.

For you and your spouse, premiums are paid through payroll deduction. For other family members, premiums must be paid directly to UNUM.

How to Enroll

Go to the UNUM Long Term Care website to complete your enrollment online.

If you apply when first eligible, no Evidence of Insurability (EOI) is required for up to $6,000 in monthly benefits for you. If you apply after 31 days, you must complete a medical questionnaire and be approved by UNUM. There is no guarantee that coverage will be approved.

Making Changes

To make changes to your plan throughout the year, contact UNUM at 800-227-4165.