Welcome To The LTC Enrollment Introduction

If you are ready to enroll and want to receive a LTC Family Enrollment Kit, click here, or click the button "How To Enroll", in the left margin, or you may want to review all of the informative pages in this section by using the navigation buttons in the left margin.

A Simple, Straightforward Approach
To Paying For Long Term Care.

Unum's LTC plan is simple. Once you qualify, you will receive the monthly benefit you selected, even if your benefit payment exceeds the actual monthly charge you incur. You never have to submit a record of your expenses, and there's no hassle over the amount of your benefit. So when your Unum plan pays a benefit, you can use the money to meet the needs that you decide are most important.

• in a Long Term Care Facility, or an Assisted Living Facility (ALF), or
• at home, Professional Home Care, where care can be provided by a licensed professional or Total Home Care (THC) where care can be provided by professionals, family, friends, or anyone you choose.

Coverage Based On Your Ability To Live Independently.

Unum's Long Term Care Insurance pays benefits when you require substantial assistance with two out of six Activities of Daily Living (ADLs) - bathing, dressing, toileting, transferring, continence and eating, or suffer Severe Cognitive Impairment that requires substantial supervision.

The ADL loss must be expected to last for a period of at least 90 days, as certified by a physician, and care must be provided pursuant to a plan of care prescribed by a licensed health care practitioner. (Recertification must occur every 12 months by a physician to confirm that the disability still exists.) ADLs are the most widely accepted measure of an individual's ability to live independently.

Benefit Levels to Suit Your Needs.

You can choose from several plans and options. (For more information, refer to the Plan page.)

You may choose a monthly benefit of $2,000 to $6,000 in $1,000 increments for any of the plans offered. Your Long Term Care Facility benefit will pay the monthly benefit amount you select, regardless of the cost of care. For Professional Home Care and Total Home Care, 50% of the Monthly Long Term Care Facility Benefit is paid.